Philadelphia Rental Car Lawyer
Here is the golden rule for Renting a Car: whether or not you own your own car, and have personal car insurance, you should always get the additional coverage offered by the rental company. It will save you many hurdles you would otherwise be forced to overcome in the event you are in an accident.
First, it makes the claims process go much more quickly. If you have additional coverage, then you go through that coverage as the primary coverage for your medical claim, property damage, and pain and suffering. The only difference with a rental company is that you must notify them at the time that you are notifying the policy, because there may be requirements that you provide certain paperwork to the rental company involved.
Many people who rent cars, especially for a vacation, waive the rental company’s supplemental insurance because they simply do not believe that they will be involved in a collision. Accidents, however, do not discriminate and the odds of someone else’s negligence are just as high when you are in a rental car.
Being involved in a Car Accident or having a family member injured in a wreck – is an extremely devastating experience. Between the recovery, repairs, and time off of work, the emotional and financial burdens that come with these collisions can be quite overwhelming. Auto Crashes can be even more devastating in rental cars, especially if the vehicle is damaged and you have suffered injuries.
What if I Did Not Opt for the Additional Rental Coverage Offered by the Company and I am in an Accident?
If you were to get in an accident, and did not opt for the additional coverage offered by your rental company, then you must go through your own company to act as an intermediary between you and the rental company. Often times, in the case of a private car accident with no rental company, you would be able to obtain the property damage from the at-fault driver. However, with a rental car company, you have to play by their rules. This means involving your private at-home insurance company. In addition, you must be the listed driver and have a valid driver’s license. You cannot loan the car out or have someone not listed driving the car. If you do, the rental company will deny coverage for your accident.
Secondly, if you are not planning to opt for the additional coverage from the rental car company, be sure that your personal policy covers in the event that you are in an accident. It may be to your benefit for your agent to get involved before you rent.
If you are only getting the Rental Car, and have no private car insurance at home, then sometimes homeowners or credit card companies may offer some protection. At The Law Offices of Greg Prosmushkin, P.C., our lawyers and staff have experience with claims which involve rental car accidents. If you or a loved one have been injured in a rental car accident, call our office today for a Free Consultation.
Typically, the coverage for a Rental Car is minimal, so you may want to allow your own car insurance to act as an excess coverage insurer, in the event you cause serious injury to someone else. Whenever you use a rental car, make sure that you have plenty of Uninsured and Underinsured Motorist Coverage behind you, so that if you are injured in a severe accident, the money is there for you. Rental car coverage is typically the states mandatory minimum. On the east coast, that is typically 15/30.
The issues in a simple accident get many times more complicated if you are injured and dealing with the Rental Car company. Call The Law Offices of Greg Prosmushkin, P.C. We can help.
This content was written on behalf of an experienced Philadelphia Car Accident Attorney Greg Prosmushkin.