Getting a Rental Car After an Accident
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Life doesn’t stop because you were in a car accident. When an accident compromises your vehicle, it can force you to put everything on hold. You need a car to keep up with life’s demands. An automobile is essential for everyday activities like going to the doctor, picking up groceries, or transporting your family.
Having to wait while your insurance company weighs in on your accident can be frustrating. Getting a rental car after an accident shouldn’t be an ordeal.
The bottom line is: you need a car. You shouldn’t have to be stranded while insurance twiddles their thumbs over your case.
Every day we hear from clients who come to us with questions like, who pays for a rental car after an accident or will at-fault insurance pay for rental?
The answer to these questions depends on your insurance — and the type of accident you were involved in. For example, if the insurance company says you are at-fault for the accident, or if your policy provides a rental car regardless of fault. Checking your policy will give you some idea if they plan on covering your upfront costs.
The limits of your policy may have the final sway on your ability to get a rental car after an accident.
If you were not at fault, then it is much easier to get a rental car reservation. An attorney can streamline this process because they will be able to read your policy and help you find the best way forward.
Usually, you will receive a rental vehicle that is similar to your current vehicle. So, if your accident was in your four-door sedan, you can expect a four-door sedan. If you drove an SUV, expect an SUV.
While it always feels nice to treat yourself, don’t upgrade your rental. Insurance only will provide funds for a comparable vehicle. So, if you drove a minivan, you will need to pay more money for a sporty convertible.
Your insurance company must determine who is at fault before you can receive your rental. Even in the most clear-cut cases, it takes at least 3-5 days to hear back from the negligent party’s insurance company about your rental car.
If there is a dispute about liability, then this process gets a little more tricky. If your negligence caused the accident, then your insurance company may be able to help you get a car.
If you use your insurance, it may be different. Usually, insurance only offers a car for a few days or the amount of time it takes to fix the damage. In many cases, this window of time is not enough! A skilled lawyer can help you petition for more time, if necessary.
How long you keep your rental car will be determined on a case-by-case basis. Your return date is generally dictated by whether or not your car is deemed a “total loss” — or if it is repairable.
If your car is repairable, you will keep the rental until your vehicle is repaired. Be careful: if you don’t return your vehicle quickly enough, you may be responsible for paying for additional days after your maintenance is complete.
If your car is a total loss, the insurance company will provide you with what they think is a fair value for your vehicle. If you have any add-on customizations that increase your car’s value, you must tell your insurance company before they issue your reimbursement
Generally, you will be able to drive the rental until you receive your reimbursement from insurance.
It can be a headache to get the insurance company to help you out after an accident. Unfortunately, negotiations with the insurance company can drag on and on without someone looking out for your interests.
While you are struggling with not having a car, you may also be dealing with the stresses of missing work and disruptions in your routine. You shouldn’t have to worry about how you’re going to get to your medical appointments or fulfill your life errands.
You owe it to yourself to contact our attorneys today. We prioritize your recovery, and you won’t have to pay anything unless we win your case. Our attorneys are passionate about what’s right for clients. We have helped recover over 1 billion dollars for our clients.