Rental Car Accident Claims & Insurance Tips

Millions of car accident injuries and 40,000 fatalities each year…and counting.

Being in a car accident — or having a family member injured or even killed in a wreck — is devastating. Between recovery, repairs, lost time at work, and other financial burdens, it’s important for victims to know what to do after a car accident. But what about rental cars?

What do I do if I wreck a rental car? What if the accident wasn’t your fault? What if the vehicle was malfunctioning, and it’s the rental agency that’s at fault?

Below, we’ll go over some rental insurance basics and give you an action plan for settling a rental car insurance dispute.

Rental Car Insurance

There are three types of insurance that you may be able to use to help reimburse a rental car agency after an accident. Remember: Even if another driver was negligent, rental companies expect (legally) to get their vehicles back in the condition they rented them to you. Fortunately, with some forethought, you can cover a number of different kinds of rental car accidents with these types of insurance:

  • Credit Card Rental Insurance: Most major credit card companies include some form of rental insurance. Read your credit card agreement and be sure to reach out to the credit card company you used to rent the car. Note that credit cards rarely offer liability coverage (bodily or property damage).
  • Personal Car Insurance: Most likely, you have personal car insurance if you regularly drive. Personal car insurance providers usually match what a rental company covers regarding liability, and perhaps even collision and comprehensive coverage. (If you opt out on liability coverage, rental companies may require proof of personal insurance coverage.)
  • Rental Car Company Insurance: Worried about getting into a rental car accident or financial repercussions? Get the extra insurance. Most rental agencies offer collision damage (theft or other repairs you weren’t responsible for), liability coverage (medical and property damage), personal accident insurance (medical cost, ambulance fees, etc.), and personal effects coverage (lost items or damaged property).

What Do I Do If I’m in a Rental Car Accident?

Now for the big question: What should you do if you are involved in a rental car collision? Like other Car Accidents, the most important step is to get safe, call the police, and get medical attention if required.

Another major step is to exchange information with the other involved parties, take pictures, and document everything. Collecting “evidence” can be a major factor in determining fault and later insurance reimbursement with the aforementioned three insurance providers.

You’ll need to contact your rental company even before your own insurers. They’ll be able to give you additional information and walk you through other steps.

Finally, you may want to Call a Car Accident Lawyer. While most people can handle minor insurance issues on their own, a car accident attorney can help you ensure the best possible outcome. Reach out to Chris Dixon and the Dixon Injury Firm today for more information about rental car accidents, a case review, and a free consultation.

Recent News

See What's Happening

  • Rental Car Accident Claims & Insurance Tips
    May17

    Rental Car Accident Claims & Insurance Tips

    Millions of car accident injuries and 40,000 fatalities each year…and counting. Being in a car accident — or having a family member injured or...
  • When Should You Hire a Lawyer?
    May12

    When Should You Hire a Lawyer?

    Suffering a life-changing injury or losing a family member can be unfair and expensive. It’s also a good time to lawyer up. The St....
  • 100,000 Work Zone Accidents Per Year
    Apr30

    100,000 Work Zone Accidents Per Year

    Did you know there are more than 87,000 car accidents in construction zones every year? While the fatality rate is low, roadways under construction...
  • Motorcycle Fatalities Surge in 2018
    Apr19

    Motorcycle Fatalities Surge in 2018

    You are 29 times more likely to die in a motorcycle accident than a car wreck, totaling to about 5,000 fatalities per year. The...
  • The Undeniable Truth of Texting and Driving Accidents
    Apr11

    The Undeniable Truth of Texting and Driving Accidents

    DUIs, icy conditions, speeding, and inexperienced drivers used to account for the majority of road injuries and death. Not so much in 2018. More...
  • How to Win a Personal Injury Claim
    Mar29

    How to Win a Personal Injury Claim

    More than 40 million people suffer from serious injuries each year in the United States, though many of them are unsure what to do...

Meet Christopher R. Dixon

Legal & Injury Representation St. Louis Deserves.

Results — that's what clients expect from Dixon Injury Firm. Chris brings years of personal injury law experience to the table. Based in St. Louis, his firm provides free consultations and contingency service to the high-caliber injury and liability legal arena. Tell us about your case and we'll show you how to win.

Recent Successes

  • Policy Limits Settlement

    Missouri Truck Accident

    $30,000.00 Settlement

    Missouri Car Crash With Minor Property Damage

  • $40,000 Settlement

    Missouri Low Impact Automobile Accident

    $40,000 Settlement

    Missouri Dog Bite

  • $45,000 Settlement

    Missouri Dog Bite

    $50,000 Settlement

    Missouri Auto Accident

  • $50,000 Settlement

    Missouri Car Accident Crash

    $65,000 Settlement

    Missouri Pedestrian Accident

Get The Representation You Need Today!

Reach out to Chris Dixon for personal injury, workers compensation, product liability, and other legal services for experienced, reliable counsel and representation in St. Louis.

Contact Us Today

Schedule a
Callback

 

Submit Your
Case Details

 
 

Have Questions?

We are available to chat live with you 24 / 7 if you have questions about your potential case.

Chat Live
No Thanks