Campbell Rental Car Accident Lawyer
Renting a car can feel unnecessarily stressful. Car rental companies like to throw all sorts of additional policies and add-ons at you, hoping that you will feel too overwhelmed or intimidated to say no. Many drivers are concerned about their own liability if they get into an accident while driving a rental, even if they are not at fault. Additionally, getting into a crash with another person driving a rental car can raise confusing questions about liability and insurance protection. The rental car crash lawyers at Solution Now Law Firm are here to clear away the fog and help you understand your rights, responsibilities, and liabilities in the event of a rental car accident in Campbell.
Who is Liable if a Rental Car Driver Hits Me?
If you are hit by a person while that driver is in a rental car, liability follows essentially the same as if the person was driving a car that they actually owned. If the crash was the driver’s fault, then that driver is liable for your injuries and the damage to your car. Just like any other accident, you will want to take down that person’s contact information and insurance policy details. If they have a policy through the rental car company, you can report a claim to them just as you would if the driver had only a regular auto insurance policy. You should also report the accident to their personal auto insurance carrier, even if they also have rental insurance, assuming they have a personal policy. You will also want to inform your own insurance company, as well as the authorities, as you would after any auto accident. If the other driver had no insurance, you might need to rely on your uninsured motorist policy.
Reach out to a rental car accident lawyer after your crash to help you wade through all of the different options for recovery and ensure that you are fulfilling all of your obligations. The sooner you retain a qualified attorney, the sooner you can either get a proper settlement from the at-fault driver’s insurance or start building a claim to bring in court.
What Happens if I’m Hit While Driving a Rental Car?
Just as discussed above, if you are hit by a negligent driver, then the at-fault driver is responsible for your injuries and property damage. Your obligations and rights do not change just because you are driving a rental car. You might have additional options for your own protection, should you find trouble recovering from the at-fault driver (for example, if they were driving without insurance). Rental companies offer supplemental rental insurance coverage when you rent a car, which we discuss below.
If the other driver is at fault for the accident, then that driver is responsible for covering not only your injury costs but also for damages to the rental car. The rental car company should go to the other driver’s insurance company directly; if they do not have the other driver’s insurance information, it is important that you provide it to the rental company. Unfortunately, your rental company might not wait until the bill is settled with the other insurance provider to charge someone, meaning that they might preliminarily charge your credit card for the damages. If that happens, you may have to deal with the other driver’s insurance company yourself to get reimbursed. The rental car accident lawyers at Solution Now Law Firm will help you figure out who owes you and how best to recover what you are owed.
Should I Buy Additional Insurance Coverage When I Rent a Car?
When you rent a car, the rental car company will inevitably try to pressure you into buying additional collision protection. They will often ask you if you want “full coverage” or “basic coverage.” They, of course, ask the question to prevent renters from realizing that they have a third option: refusing any additional coverage. But what do these coverage options mean, and are they worth purchasing?
Rental companies are asking if you want additional, supplemental insurance coverage that will cover the gap between your own personal insurance coverage and excess damage. Excess costs may be incurred in accidents you cause, or accidents caused by other drivers, including damage to the car, medical bills, death benefits for you and any passengers harmed, and other damages. Full coverage essentially covers those damages completely, filling in all additional coverage you would need if you exceed your own policy limits. “Basic” coverage is essentially just a damage waiver for any damage caused to the rental car while you have it.
It is important to know that your regular car insurance still applies even while you are driving a rental. If you are satisfied with your own car insurance, you do not need rental insurance; their policy may parallel what you already have. If you do not have personal auto insurance because you do not own a car, then you will need to buy some insurance coverage for the rental per California law. If you are concerned about your policy limits, then you might want to opt for additional coverage. Note that the additional protection only applies if an “authorized” driver is behind the wheel when an accident occurs. If you are concerned about your insurance coverage before or after a rental car accident, a rental car crash lawyer at Solution Now Law Firm can answer any questions you might have.
Call for Help After a Rental Car Crash in Campbell
If you or your loved one has been hurt in a rental car accident in Campbell, Saratoga, Cupertino, Los Gatos, or across the Bay Area, the knowledgeable and dedicated rental car driver injury lawyers at Solution Now Law Firm are here to help. We will bring our years of litigation experience to bear in helping you and your family recover the damages you are owed for the harm you have suffered. We strive to ensure that each of our clients gets individualized, personal service, tailored to their needs and the circumstances of their claims. Give us a call at 408-256-2871 or reach out via email for a free case evaluation.