Automobile liability insurance policies play an important role in car accident cases. Accident victims often wonder if their automobile insurance policy will provide payment for an automobile rental while their damaged automobile is being repaired. A Duluth car accident lawyer can help you determine if you can receive payment for a rental vehicle.
Automobile Liability Insurance and Policy Limits
It is important to understand the policy limits of any automobile liability insurance policy that is applicable to your case. Some automobile insurance policies contain provisions that allow the policyholder to opt for automobile rental insurance. The best way to determine if you have rental reimbursement coverage is to contact your insurer.
Rental automobile coverage may be capped at specific rental price limits. You may be required to pay the difference if you choose to rent a more expensive vehicle. Some insurance policies will provide a rental car if standard collision coverage is a part of your insurance policy.
Many automobile insurance policies pay for rental cars after the insured suffers vandalism, theft, or damage to their vehicle. If you have questions about the parameters of your automobile insurance policy, then contact your insurer as soon as possible. They can help you determine who pays for a rental car after an accident in Georgia.
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Looking to the At-Fault Driver’s Insurance Policy
You may be able to go through the at-fault driver’s insurance company to obtain payment for the cost of a rental car. However, you first need to start a claim with the at-fault driver’s insurance company to establish the facts regarding your accident. If you are successful, then the insurance company will provide a rental vehicle for you.
Insurance claim adjusters may not process your request for a rental car for days or weeks. Having a personal injury attorney on your side can motivate the insurance company to act quickly. Do not agree to let the insurance company purchase your totaled automobile; you should speak to an attorney before making this kind of decision.
Recovering the Costs of Renting an Automobile
You may have to pay for a rental car out of your own funds. However, you can seek damages for the rental costs at a later point in time. Save any invoices or receipts you have regarding your rental automobile.
You will need to submit the invoices and receipts to obtain reimbursement from your own insurer. If you do not have rental coverage and you file a civil lawsuit against the at-fault driver, then you have the opportunity to pursue financial compensation to compensate you for the costs of the rental.
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The Benefits of Retaining a Personal Injury Lawyer
By retaining a personal injury lawyer, you will increase the likelihood that you can pursue monetary compensation for your rental costs. Having legal representation forces defense attorneys to treat your case with more care and concern. You will likely receive reasonable settlement offers at an earlier stage of your case.
You will also benefit from attorney-client privilege and attorney-client confidentiality. Your attorney will invoke these principles throughout the course of your personal injury case. All of your communications with your attorney will be confidential, and this can strengthen the case strategy you and your attorney develop.
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Time Limitations on Rental Reimbursement Coverage
The specific insurance policy will dictate the limits of any rental reimbursement coverage. Some insurance policies do not provide coverage for fees, charges, damage waivers, optional rental car features, or gasoline. You may not be covered if you purchase automobile insurance on the rental vehicle.
You do not want to end up with any surprise costs at the end of your car accident case. The following information can help you determine how long an insurance company will pay for a rental car after an accident:
- After 30 days of renting the automobile
- A specific amount of hours after the insurance company pays the total loss of your automobile
- The moment your automobile is replaced
- The moment your automobile is repaired
- When your automobile is back in your custody
These scenarios are fact-dependent, and you should pay attention to any correspondence you receive from your insurance company. Important letters, notes, e-mails, and text messages may contain relevant information that can help you understand the detailed provisions of your automobile insurance policy. Do not throw away any mail you receive from your insurance company before you read it carefully to ensure it does not contain important information.
Request More Information from Your Insurer
You have the right to request information regarding your automobile insurance policy and all applicable provisions. Do not be afraid to ask questions and find out all the details you can regarding your automobile insurance policy. Having a rental car may mean the difference between you being able to keep your job and you having to look for a different job closer to home.
The more information you have about your own automobile liability insurance policy, the more likely it is that you will be able to obtain coverage for your rental vehicle. You do not want to overlook important details that could benefit your insurance claim and your personal injury case. The earlier you can request information regarding your automobile insurance policy, the sooner you will be able to make decisions about how to pay for a rental vehicle.
We Are Here for You When You Need Us
Suffering injuries during a car accident often causes victims to experience stress, anxiety, and depression. As you recover from your injuries, you may not know where to turn for help when you are considering taking legal action. If you want to learn more about the legal options available to you, then Contact us today to book a consultation.
Car accident cases are not identical, and sometimes, a confusing aspect of your case can leave you with unanswered questions. A car accident lawyer can provide you with the information you need to make the best decision regarding your legal representation. Reach out today to learn more about the benefits of retaining legal representation.