Can You Get A Car Rental From Your Insurance Provider After A Car Accident?
A car is an extension of yourself. It’s a personal expression, a means of transportation, even a way of life for some.
That’s why a car accident can be so devastating. Your whole lifestyle could be thrown out of whack if the damage that was done is significant enough. Car repairs can take time, a luxury most people can’t afford.
Thankfully, rental cars exist for a reason.
A temporary means of transportation can make a world of difference in your life, whether that be in maintaining your job or driving you back and forth from a doctor’s office if your injuries are severe enough.
The aftermath of an accident can be a thorny mess to handle.
Luckily, an experienced lawyer or group of lawyers can help you navigate those dubious legal roads.
Our California personal injury lawyers will give you the legal counsel you need.
When Can You Get a Rental Car?
Understandably, you’ll be anxious to get your rental car as soon as possible, to get your life back in order.
Unfortunately, when you get your rental car isn’t up to you.
After your accident, you will be dealing with the insurance company of the other driver, if they are the one liable in the accident.
In an ideal situation, the other driver will admit fault. You will talk to an insurance adjuster, and they will set you up with a car rental company or dealership.
What Happens If You Have Rental Coverage Under Your Insurance Policy?
Things are slightly different if you are the one at fault in the car accident.
Luckily, your insurance policy very well might come with Rental Coverage.
In this case, a representative of your insurance company will contact you. They should give you a call within the few days following your accident.
The company representative will guide you through the steps of the rental and should help the situation be as smooth as possible.
If you’re unsure whether or not you have rental coverage under your policy, you can call your insurance company and inquire.
Unfortunately, if you get an accident without rental coverage, there’s no way to add it on after the fact and have the coverage apply to your accident.
What Happens If You Don’t Have Rental Coverage Under Your Insurance Policy?
An insurance claim for car rental is normally done through the at-fault driver’s insurance.
After your accident, you should undoubtedly call the police. The officer who arrives at the scene will file a police report. This report will be a concrete piece of evidence pointing to who is at fault.
If the other driver in the accident is found liable, it shouldn’t matter whether you have rental coverage or not. The insurance company of the other driver at-fault will be responsible.
They will investigate the accident themselves. They will pour over the details of the accident and determine if they deem you not-at-fault.
From there, a representative of the insurance company should contact you shortly after your accident. If things proceed smoothly from there, they should put you in contact with a company from whom you can rent a car.
Is the Insurance Provider Obligated to Provide a Rental Car?
Unfortunately, there is no absolute guarantee you will be provided a rental car.
The insurance provider, in their investigation, could deem you unworthy for a covered rental car.
In general, there are a number of possibilities.
- You could be provided a rental car forthwith; no strings attached, no hangups. They will cover any expenses that occur related to the car rental, so you have no liability to pay for anything.
- Another option might involve you having to pay for the rental car’s expenses up front. This might happen if you haven’t turned in the relevant documentation or paperwork for the accident yet. Once you do, the insurance provider should reimburse you any costs that have accrued. This might not be a viable option for some, as the costs of renting a vehicle can begin to stack up rather quickly, even if they will eventually be reimbursed.
- You could be given a “loss per day” coverage. Essentially, the total amount of the rental will not be covered, only amounts that have accumulated in the meantime. While not an ideal situation at all, if it comes down to it, it’s better than having no coverage whatsoever.
Like people, every insurance company is different. Some policyholders might handle these kinds of situations differently, and so you should contact them and try to understand their specificities as clearly as you can.
As well, having the help of an experienced attorney will do you wonders in the potentially murky depths of renting a car after an accident.
The Bottom Line
An accident will rear its ugly head without warning.
It can happen to anyone, anywhere, at any time. Being prepared is, therefore, vital.
An accident can be so bad, however, that your vehicle might be out of commission. This is a nasty hurdle for anyone to face.
If an accident is bad enough, it is possible to obtain a rental car from your insurance company, or the company of the liable party. After all, going without a car for an extended period of time is simply not an option for most.
The process and legal knots one has to suss out can be daunting and difficult to handle alone. This is especially the case because an insurance company is not obligated by law to provide you a rental car.
If you or a loved one find yourself in an accident and are having trouble obtaining a rental car through an insurance company, you need the legal help of California’s Tawni Takagi.
With years of experience handling cases just like yours, we can provide the necessary knowledge and experience to get your rental car search on the right track.
Call our Los Angeles lawyers today at (310) 954-7248.
Our California accident attorneys will help get your legal case on track.
find out if you have a case!
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