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November 18th, 2019
Whether traveling for business or pleasure, wanting to
impress, or to test out a new car before making a purchase, people all across
Louisiana rent cars for many reasons. But there are few situations more nerve-wracking
than being involved in a car accident in a rental car, especially when it
wasn’t your fault. And unfortunately, getting compensation after an accident in
a rental car can be far more complicated than in a car you own.
In any collision, the at-fault party should have a liability policy which provides coverage for injuries caused by the accident. However, the rental agreement you signed means you are still responsible for any and all damage to the rental vehicle while it’s in your care, even if the damage was not your fault.
What does this mean? You will likely be required to pay your
insurance deductible directly to the rental company, and you may even be
charged for the cost of damage and be required to seek reimbursement from the insurance
Furthermore, you will likely need to pay “loss of use” fees
to cover the rental company’s loss of profit while the rental vehicle is being
repaired. Your insurance may include loss of use coverage, but if the policy
limits are below the rental vehicle’s going rate, you will be required to make
up the difference.
The first steps to take after any accident in a rental car
remain the same as in any car accident:
However, there are two additional steps to take care of in a
rental accident. First, notify your rental company. Secondly, because you may
need to seek compensation for your expenses from multiple insurance companies,
we suggest hiring a lawyer to help you file the paperwork and negotiate on your
behalf if you’ve been injured.
There are three main sources of insurance coverage available
for rental car accident claims:
Most major car rental companies will offer these four types of coverage for purchase when you rent a car:
Federal law protects rental companies from liability when
someone is injured in an accident involving a rental car, unless the victim can
prove the rental company was negligent in putting the car on the road or in
renting to the at-fault driver. In most cases, if the other driver does not
have liability insurance, you may need to seek compensation from your own
insurance company to cover your medical expenses.
If you’ve been in a car accident and don’t know how to get compensation for your expenses, we want to help. Our team of experienced Louisiana car accident lawyers is skilled at negotiating with the insurance company to get you compensation for your injuries and lost wages after an accident caused by someone else’s negligence. Contact us today for a free consultation.
During this time of uncertainty, please know that we are here and ready to help.
If you’ve been injured, we can arrange a virtual meeting in order to start work on your case right away.
While COVID-19 presents a danger to our community, we will adhere to Louisiana State Law and Gov. John Bel Edwards's recommendations, and close our physical office. However, we remain fully operational, and we’ll continue to offer our services via telecommunications.
Please click here to learn more about our business continuity plan.