Chicago Rental Car Accident Lawyer
Although no one expects to be involved in an accident with a rental car, it is essential to know that such events occur at a high rate. In Cook County and DuPage County, accidents with rental vehicles occur at a higher rate than would typically be predicted based on make, model, and driver experience.
There are many reasons why this spike might occur. The most prevalent theory involves the driver’s unfamiliarity with the rental vehicle and the area being navigated.
Rosenfeld Injury Lawyer represents people injured in Chicago auto accidents involving rental cars. Complete the contact form or call (888) 424-5757 to receive a free case evaluation with a car accident attorney. There is never a fee charged unless there is a recovery for you.
Rental Car Accident FAQs
What if I Get in an Accident With a Rental Car?
If the police torn investigator determined you are responsible for causing a collision, you are legally obligated to pay for damages to the rental car company and any associated liability problems.
If you are found not to be at fault for causing the crash, auto rental companies will work with the other motorists’ insurance company, unless they are uninsured. It is not legal to operate a rental vehicle without sufficient insurance coverage.
Will My Insurance Cover an Accident in a Rental Car?
Typically, the primary auto insurance coverage on your personal or family vehicle will extend to renting a vehicle in the United States. However, it is best to check your policy’s limitations or speak directly with your insurance carrier to determine what it covers.
If you do have coverage, the liability policy likely pays up to its limits for any damages you cause to property, other vehicles, drivers, and passengers that would likely range from $50,000-$300,000, or more.
What Happens if You Wreck an Enterprise Rental car?
If you have been in an auto accident with any rental car, including enterprise, it is essential to call local law enforcement to file a report. Next, request that emergency medical technicians come to the accident scene even if you believe no one is severely injured.
Call the car rental company where you rented the vehicle and give them a detailed description of precisely what happened during the accident. Typically, the auto rental company will take you through their specific process in handling a claim to resolve your car accident case.
Will Other Driver’s Insurance pay for Rental Car?
If another’s negligence caused your car accident, they are legally responsible for the cost of repairs, injuries, and damages. Typically, the driver at fault will pay all costs associated with your damages to you through their insurance policy, unless they are uninsured.
Typically, the other motorist’s insurance coverage will pay for a rental car while your vehicle is under repair or replacement. However, not all insurance carriers provide rental car coverage.
Does Full Coverage Cover a Rental car?
Most insurance policies contain liability and comprehensive coverage that pays for damages to a rental vehicle if your vehicle was damaged anywhere in the United States. Typically, the policy will provide coverage to pay you for the rental of a vehicle of the same classification as your car or truck damaged in the collision.
What Happens if You hit a Deer in a Rental car?
If you hit a deer that resulted in an auto crash with damages, your family’s insurance policy likely covers all losses paid out by a comprehensive package. The extent of the coverage often includes the price of a car rental while your vehicle is under repair.
Supplemental Insurance for Rental Cars
Since the likelihood of an accident with a rental car is so high, all rental companies offer supplemental insurance, and many also offer additional insurance-like coverage. Note that Illinois does not require consumers to purchase supplemental insurance, but it is often beneficial.
However, consumers should first check their family’s auto insurance policy as might extend to rental cars as well. The most common motorist supplemental coverages are:
- Collision Damage Waiver (CDW)
- Supplemental Liability Protection (SLP)
- Personal Accident Insurance (PAI)
Rental car company agreements are often more complicated than they seem at first look. There can be many parties involved when a rental accident occurs, including:
- The vehicle renter, and the driver’s insurance company
- Rental car agency, as the owner of the vehicle, and its insurance company
- Supplemental insurance coverage if the renter opted for additional liability coverage
- The credit card issuer, and its insurers, if the client opted for credit card coverage
The Unique Issues Related to Chicago Rental Car Accidents
Since there are usually so many parties involved in a rental car accident, the claims process and any necessary negotiation can be much more complicated than usual for a standard accident claim. Such processes often involve multiple lawyers and insurance companies, and it can be difficult for the renter to protect their rights and interests.
Therefore, the renter must hire legal representation as soon as possible after the accident. An experienced Chicago car accident lawyer can access the multiple sources and layers of insurance available to mitigate each party’s financial obligation.
Our lawyers can also be beneficial in situations where the rental company itself is responsible, in whole or in part. Note that rental companies have a legal obligation to ensure that the car is in a safe driving condition. As part of the rental motor vehicle agreement, renters must inspect the vehicle, but they are only responsible for what they could reasonably identify.
The Chicago car accident attorneys at Rosenfeld Injury Lawyers LLC have experience representing clients injured with the following auto rental companies:
Some car and truck accidents involving rental car companies involve collisions with uninsured motorists whose negligence caused serious injuries and wrongful death. These injury victims often face years of mounting medical bills from follow-up treatment after the car crash due to another’s recklessness when violating traffic safety.
What to do in the Event of an Accident With a Rented Vehicle
If you experience an accident with a rental car, you should:
- Contact the police immediately
- Get medical attention
- Contact the rental agency and comply with any reasonable instructions
- If applicable, contact your own insurance company or credit card company
- Return to the car rental office.
Do not leave the car rental office until you receive:
- A copy of the rental agreement
- A copy of the accident report along with injury claim documents and repair estimates
- Photos of property damage to all vehicles involved
Afterward, seek a personal injury lawyer’s advice with experience in handling rental car property damage and injury cases.
Negotiating with an insurance company can be very difficult, particularly in this scenario, due to the multiple insurance companies that are potentially involved. An attorney who is experienced with rental car accidents and personal injury laws can determine whether you are or are not at fault.
It is generally in your best interest to involve your lawyer as early in the process as possible so that the attorney can begin protecting your rights and interests immediately.
Consult a Rental Car Accident Lawyer
If you have been involved in a vehicle accident with a rental vehicle in Chicago or anywhere in Illinois, speak with the personal injury attorneys at Rosenfeld Injury Lawyers LLC. Our Chicago personal injury lawyers can perform a comprehensive case review and provide legal options for proceeding.
Contact our auto accident lawyers at (888) 424-5757 (toll-free phone call) or through the contact form to schedule a free consultation. All discussions about your car accident injury with our law firm remain confidential through an attorney-client relationship.