Renting a vehicle can be a very convenient option when traveling for a variety of reasons. However, if you get into an accident in a rental car, things may get complicated. How the rental car company handles insurance claims and other issues regarding ownership can complicate the claims process. As a result, car accidents that involve rental cars are sometimes handled differently than typical accidents in which both drivers own their vehicles.
If you were involved in an accident in a rental car, whether you were traveling on business or vacation, a Chicago rental car accident lawyer may be able to provide legal assistance. They can help you understand your share of liability and what to expect from the legal process.
To learn more about your options, contact The Kryder Law Group, LLC at (312) 223-1700 today.
The Implications of a Rental Car Accident
When you rent a vehicle, it is expected that you will return the car in the condition you received it in. However, there are times when accidents do happen, and even if you are in an accident that was caused by another driver, you may still be held responsible for damages by the rental company. This is because you are under contract due to your rental agreement.
As a result of these technicalities, it is usually required to have insurance when you rent a vehicle. Whether it is from your current insurance policy or if you opt to take out insurance through the rental company, insurance is always a must. However, different levels of coverage extend to different circumstances.
If you do not have adequate insurance coverage, you may be held liable for damages that you did not even consider. For this reason, it may be helpful to discuss your case with a legal professional who understands the laws regarding car insurance and rental vehicles.
For a free legal consultation with a rental car accidents lawyer serving Chicago, call (312) 598-0739
Types of Rental Car Accident Insurance
When you rent a vehicle, your personal auto insurance may cover the damages stemming from a collision. However, it is always important to know what kind of coverage you have if you intend to use it for a rental car, according to the Insurance Information Institute (III).
You are typically offered the option to add more insurance coverage by the rental car company. While this is not mandatory, it could serve to cover any damages resulting from an accident.
Per the III, these are the most common types of insurance coverage used for rental vehicles:
Personal Car Insurance
This is standard vehicle insurance coverage, and if you own a vehicle, you can usually extend this coverage when you rent a car. If you do not own a vehicle and have your own insurance, you can pay for coverage from the rental company.
Personal Accident Insurance
This type of insurance is intended to cover injuries for those involved in an accident. However, your coverage options are based on the details of your policy. A deductible may apply, and all costs related to an accident may not be covered.
Collision Damage Waiver
With this added coverage, the rental car company waives replacement and repair costs if damage, theft, or an accident occurs. There are usually exceptions, though, such as in the event of reckless driving or if the vehicle was driven by an unauthorized driver.
This additional coverage will pay for property damage and medical expenses for the other party if you are at fault for the accident. There may be limitations to how much this coverage pays, as it is intended to overlap your personal vehicle insurance coverage.
A lawyer from The Kryder Law Group, LLC can guide you through the claims process. To learn more about your options in a free consultation, dial (312) 223-1700.
Chicago Rental Car Accidents Lawyer Near Me (312) 598-0739
Compensable Losses in a Chicago Rental Car Accident
In addition to navigating the claims process, you may be suffering from serious injuries. A Chicago rental car accident lawyer can handle all of the obligations that go into filing a successful insurance claim or lawsuit. When you team up with The Kryder Law Group, LLC, the only thing you have to worry about is recovering from your injuries.
Per the American Bar Association (ABA), some compensable losses from your car accident may include:
- Pain and suffering
- Medical expenses
- Lost income
- Reduced future earning capacity
- The cost of physical therapy and mental health counseling
You may be able to recover the cost of additional damages not listed above.
How a Rental Car Accident Lawyer May Be Able to Help with Your Case
If you were in an accident in a rental car, whether the accident was your fault or not, it may be helpful to discuss your case with an attorney. A Chicago rental car accident lawyer can help determine what you may be liable for or help you understand your rental agreement.
A lawyer can help you by:
Evaluating Your Case
An attorney can review the specifics of your accident to help determine if you have the basis for an insurance claim or lawsuit.
Saving You Time
If you are unsure about pursuing a claim after a car accident because you do not think you have the time, working with a lawyer can be a major benefit. You deserve to have your rights protected–– especially if you feel that the rental car agency is attempting to take advantage of you. An attorney and their team will handle the legal details of your case, so you can focus on recovering from your injuries.
Working with You on a Contingency-Fee-Basis
If you are not sure whether you can afford the services of a Chicago rental car accident lawyer, you should be aware that in many cases, attorneys work with their clients on a contingency-fee-basis. They only get paid if you receive a financial settlement. The Kryder Law Group, LLC may be able to provide legal representation at no out-of-pocket cost to you.
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Contact the Kryder Law Group, LLC
If you were in an accident involving a rental vehicle, it is important to understand the legal aspects of your case. A Chicago rental car accident lawyer can manage the various responsibilities involved in your personal injury case. To learn more, contact The Kryder Law Group, LLC at (312) 223-1700.