Who Pays Damages or Injuries in a Rental Car?

Renting a car can offer a great deal of convenience and flexibility, whether it's for business or leisure. However, accidents can happen, and it's crucial to understand who bears the responsibility for any damages or injuries that might occur while driving a rental car. This is a critical consideration for anyone, whether they're frequent renters or planning their first rental. Not being aware of the potential financial and legal ramifications of an accident could be costly. 

In this blog, we'll explore the topic of rental car accidents and who pays for the damages or injuries. We'll provide valuable information on insurance options and what steps to take in the event of an accident. Knowing this information will equip you to make informed decisions and safeguard yourself when renting a car.

Types of Insurance:

  1. Auto liability coverage: This covers both bodily injury and property damage
  2. Uninsured and underinsured motorist coverage: This covers bills where the driver at fault doesn’t have any insurance, or perhaps his insurance isn’t enough to foot the bills.
  3. Comprehensive coverage: This covers for damages like theft or fire accident
  4. Collision coverage: This covers the repair of the car during a collision with an object or another car
  5. Medical payments coverage: This covers hospital bills for surgery, x-ray, etc.
  6. Personal injury protection: This covers medical expenses after an accident.

Types of Rental Car Insurance Coverage

  1. Credit Card Company Rental Car Insurance: 

Most credit cards offer liability coverage, which solely depends on the terms of agreement with the financial institution. It’s advised to use a card with liability coverage when getting a rental car, as it ensures that the insurance would pay for damages to the rental vehicle within the rental period. 

  1. Personal Car Insurance 

If there’s insurance on your private car, it could cover the rental car. It is important to know what your insurance company covers to prevent passing on insurance not covered by the company to the car rental company.

  1. Rental Car Company

After renting a car, the company offers some insurances that would last you throughout the period you rented the car, although applying for these insurances is not a must, but if accepted, it would be added to the fee paid.

If you are having issues with your rental car insurance, do well to contact us as we’ve helped hundreds of people clear up all payments involving rental cars without having to bring out money from their pockets using just their insurance. Go ahead and give us a call, or better yet, fill our contact form to get in touch with us.

Call Sgarlato & Sgarlato PLLC. today to schedule your free consultation.

Sgarlato & Sgarlato PLLC Personal Injury Lawyers helps injured residents of the Staten Island area recover full compensation for the damages and losses they suffer due to the negligence of others.
The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.
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