Renting a car means taking responsibility for that vehicle and any damage caused to it or to others by the driver. Like any car accident, victims must demonstrate who is at fault using evidence from the accident to substantiate their right to seek damages. But who is responsible for damages in a rental car accident?
That could be the liability insurance provider covering the driver behind the wheel of the vehicle, or it could be additional coverage in place. Here are the key considerations to keep in mind, as advised by a Newnan car accident lawyer.
Someone Else Caused the Accident
If you rented a car and were in an accident that someone else caused, that driver’s liability insurance should cover the losses to you and to the owner of the rental car. The other driver’s liability insurance will cover the damages and losses suffered up to the value of the policy.
If the other driver does not have insurance and caused the accident, your uninsured or underinsured motorist coverage can help cover the resulting losses. This is an insurance policy you purchase in advance with your other coverage. It protects you in situations where the other driver does not have any liability insurance or does not have enough insurance to cover all of your losses.
Additionally, you may be eligible for other coverages. Many credit card companies provide rental car insurance for you. Check with the rental company as well. Many people purchase supplemental rental car insurance at the time of renting the vehicle. That could mean more coverage is in place.
If You Are At Fault
If you rented a car and caused an accident, you may be responsible for the damage to the vehicle and any injuries to the other parties. The type of car insurance coverage you have plays a role in this. For example, your personal auto insurance policy’s liability coverage will cover the damage to the other person’s losses up to the amount of your policy coverage.
At the time of renting the vehicle, you may have opted for collision damage waiver. This means you paid extra for protection in these situations. The rental company’s policy, then, will cover the damage to the rental car. This alleviates some of the financial risk you have.
Your credit card insurer may also provide financial protection for you in these situations.
The Rental Car Company Could Be at Fault
In certain situations, the rental car company may be liable for your losses and those of any other party involved. For example, if the rental company rented the vehicle to someone without a valid driver’s license, they could be held responsible for that party’s actions. If that driver is intoxicated, underage, or otherwise unfit, and they should have known this, the company can be at fault.
Additionally, if the rental car breaks down and causes an accident due to inadequate mechanical upgrades and maintenance, the rental car company could be held liable.
What Steps to Take to Protect Your Case
If you are hurt in a rental car accident, get medical care, file a police report, and then work with an attorney who will hold those who hurt you accountable. That includes pursuing every possible route for recovering fair compensation. Your personal injury attorney in Newnan can help you clarify all of your rights in these cases.