Sorting out who will pay for your medical care and property damage after a car accident can be difficult, but when a crash occurs in a rental car it may be even more challenging. Most rental car companies offer supplemental insurance, but you may be able to recover compensation from your own auto insurer as well. Each situation is unique, and there is no way to know exactly how it will all shake out. A car wreck attorney can evaluate your case and determine who may be responsible for your medical bills, loss of income, pain and suffering, and other damages.
Types of Rental Car Insurance Coverage
There are multiple ways to ensure you have enough coverage on a rental car, including:
Personal car insurance—Typically, your own auto insurance company will cover property damage and any injuries you or your passengers sustain in a rental car accident. However, you should read your policy or contact your insurance company before assuming that you are covered when renting a car.
Pennsylvania drivers are required to have minimum Personal Injury Protection (PIP) coverage of $5,000 for medical benefits, $15,000 for bodily injury liability per person, and $5,000 for property damage. Most accident lawyers recommend that you purchase more PIP coverage, as the minimum amounts may barely be enough to cover a portion of your medical bills and other damages.
Credit card coverage—Many financial institutions offer protection if you use their credit card when renting a car. If any of your cards offer this coverage, make sure to use one of them.
Rental car company— Doing your research before you book a rental car can help you save a lot of money. Most rental car companies push consumers to add on insurance at the time of the rental. Reviewing your own policy and the benefits you may have through the credit card you use to rent the car may provide plenty of coverage.
When Someone Else is Responsible for an Accident
How liability is assigned in a car accident depends on the specific circumstances. If an accident in a rental car was caused by another motorist’s negligence, you will most likely need to file a claim with their auto insurance company. Depending on their levels of coverage or whether your claim is denied, you may end up using your own PIP policy as well. Consulting a Pennsylvania personal injury attorney who is well-versed in handling accident claims that involve multiple insurance companies is the best way to make sure all possible avenues of compensation are pursued to your benefit. A lawyer can investigate your case, determine who is at fault, and help you seek maximum compensation to protect your health and financial future.
If you need assistance figuring-out who may be liable for damages after a rental car accident, contact a persona injury attorney today.