After a car accident, one of the things that worries people the most is how they’re going to get around. Their car may be in the shop for who knows how long. Or it may be totaled. Or maybe the repair shop is still assessing the damage and they don’t know if or when they will ever get the car back.
They want to know how they can get the cost of a rental car covered while they are without transportation. So let’s look at the options.
Getting a Rental Car Through the Insurance of the Person at Fault for the Accident
If the driver at fault for causing the accident had the insurance required by Florida law, they should have coverage to pay for at least $10,000 in property damage to others. This goes toward repairs to vehicles but also covers damage to property surrounding the accident and the expense of a rental car while the accident victim’s car is under repair.
The process begins when a claim is filed with the at-fault driver’s insurance company. However, when a collision involves multiple vehicles, it can be difficult to get a clear determination of fault, and insurers may be reluctant to provide funds for a rental car.
Getting a Rental Car Through Your Own Insurance Coverage
Most car insurance policies offer drivers the option to pay for rental coverage on their own vehicles. This would pay for a rental car to use while your vehicle is under repair regardless of who was at fault for causing the accident. Because this coverage is optional, many people skip this coverage to save money on premiums.
Seeking Reimbursement After Paying Costs on Your Own
When an accident is complicated or when the responsible driver does not have the right insurance, you may have to pay for car rental costs yourself, but that does not mean you have to bear all the costs indefinitely. You can seek reimbursement through an insurance claim or lawsuit.
Even if the responsible driver has the required insurance coverage, the minimum policy amounts are quite low, so it is easily possible that the cost of your rental car and repair expenses will exceed policy limits. You can work with an attorney to file a lawsuit to recover the additional amounts to fully compensate you for the losses suffered in the accident. To protect yourself, it is wise to consult an attorney as soon as possible after an accident. An experienced legal advisor can help you determine what to say and do after the accident to preserve the best options for receiving full compensation.
Zweben Law Group Helps You Get What You Need After an Accident
Whether you need the right follow-up medical care, reimbursement for lost wages and damage to your vehicle, or reimbursement for the cost of a rental car, the team at Zweben Law Group is always ready to assist. We understand the confusion and uncertainty you face after your accident, and we work hard to help you get your life back on track. Contact us today for a free consultation to learn how we can help.