Philadelphia Rental Car Accident Lawyer
Here is the golden rule for Renting A Car whether or not you own your own and have personal car insurance, always get the additional coverage offered by the rental company. It will save you many hoops to overcome in the event you are in an accident.
First, it makes the claims process go very quickly. If you have additional coverage 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.
What if I did not opt for the additional rental coverage offered by the company and I am in an accident? If you were 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 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 have to be the listed driver and have a valid driver's license. You cannot loan the car our or have someone not listed driving the car. The rental company will deny coverage for your accident.
Second, if you are not planning to opt for the additional coverage from the rental car company, make sure that your personal policy covers in the event that you are in an accident. It may be beneficial for your agent to get involved before you rent.
At the Law Offices of Greg Prosmushkin, PC, our attorneys and staff have experience in claims involving accidents with rental cars. If you or a loved one is injured in a rental car accident, call our office today for a free consultation.
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. Call an experienced Greg Prosmushkin, PC lawyer for assistance. Remember, the consultation is always free.
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. If you are in a rental car and are injured, make sure that you have plenty of Uninsured and Underinsured Motorist Coverage behind you so that if you are injured in a bad 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 hurt and dealing with the rental car company. Call the Law Offices of Greg Prosmushkin, PC. We can help.
This content was written on behalf of Greg Prosmushkin.