One of the first hurdles that car crash victims face is getting a rental car after the accident. Most of us need a replacement vehicle while our car is in the shop. It is often difficult to know where to turn for help with the cost of the rental car.
After a car accident, there are two options when obtaining payment for a rental car. The first option is the easiest, and unfortunately, the most uncommon, the at-fault driver’s insurance company accepts liability. The second option is when the at-fault driver’s insurance company refuses liability, and you must use your insurance to cover the cost.
Getting a Rental Car when the At-Fault Driver’s Insurance Accepts Liability
After a car crash, you should report the accident to the at-fault driver’s insurance company. Opening a claim will start the process of obtaining a rental car and getting your car fixed. Ideally, the insurance company of the driver who caused the accident will accept responsibility.
If the insurance company accepts liability, then it will pay for the cost of your rental car. Be sure it is clear from the beginning that the rental car will be paid for until your car is either repaired or, in the event your car is totaled, there is agreement on the amount of your property damage claim. Also, during this process you may be asked to give a recorded statement. Learn more about recorded statements.
Getting a Rental Car through your Insurance after a Car Crash
If the at-fault driver’s insurance company denies liability, you will need to check with your insurance. Contact your car insurance to determine whether you have rental car coverage. If you do, you will need to be very clear on the daily amount you can spend on a rental car and how long your car insurance will cover the rental. Your insurance company will likely fight the at-fault party’s insurance company for reimbursement of your rental costs.
Know your coverage in advance will help you avoid out-of-pocket costs. If your car insurance only covers $25 per day, and you rent a vehicle for $30 per day, you will need to pay for the difference. Also, if you only have rental car coverage for two weeks, and you keep the car for four weeks, you will need to cover the cost of the two extra weeks.
Document what you are told throughout this process and keep all letters or emails that you receive about your claim. It is important to stay on top of the process in case you need to file suit. If you have been involved in a Houston car crash and need an attorney to help you through the process of getting compensation for your harms and losses, contact Chelsie King Garza for a free consultation today.