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Longwood Rental Car Accident Lawyer

Have you Been Injured with a Rental Car? We Can Help.

Anyone who has ever rented a car has wrestled with the decision when asked the question: “would you like to add comprehensive insurance with your rental?” You maybe were expecting to pay $40 or $60 a day to rent a car, but find that number has sharply increased at the counter. You are faced with a tough decision because the rental car company is telling you that you will personally be responsible for any damage without the expensive coverage.

The “policy” that you are purchasing from most rental companies is not even insurance (in so far as it is not regulated by the Department of Insurance). What you are typically buying is a “CDW” or an "LDW” (a “Collision Damage Waiver” or a “Loss Damage Waiver”) which is actually just an agreement from the company that they will not hold you personally responsible for damage done to the car.

If you were injured by or in a rental car, you will need a Longwood car accident attorney to help you fight for the compensation you need to cover damages. Call (407) 315-2932 today.

Other Insurance Policies That May Come Into Play with a Rental Car

While the damage waivers offered by rental car companies will protect you from being personally liable for damage to the rental car, they do not provide comprehensive insurance coverage (which would additionally cover your Personal Injury Protection as well as liability coverage for any property or personal injury that is caused by the accident).

Even in a “normal” (not involving a rental) auto accident, it is not uncommon for insurance companies to delay, deny, or devalue a claim for an injured person. Having an experienced auto accident lawyer on your side can force the insurance companies to take your claim more seriously. When the auto accident involves a rental car (which may bring in multiple, overlapping policies) there is even more of an opportunity for the insurance companies to avoid their responsibility to their insured, and there is likely an even greater need for you to get a lawyer to protect your interests.

Does paying with a major credit card (or using for a damage deposit) provide comprehensive insurance when renting a car?

In many cases, it does. All four of the major credit cards (Visa, Discover, American Express & Master Card) offer some form of rental car coverage. MasterCard has a few cards that do not include insurance. Contacting your credit card’s customer service is a great way to find out what type of policy is available to you.

Does my existing auto insurance policy cover me when I’m in a rental car?

Unfortunately, the answer to this is “it depends”. Most policies do offer some level of coverage while you are in a rental car. However, the policy limits, type of coverage and ease of dealing with your insurance company after a car accident in a rental car may vary greatly.

Talk to an Auto Accident Insurance Lawyer During a Free Consultation

In any auto accident, there is a chance that the insurance company will delay, devalue or even deny your claim. With the added complexity of a rental car and the different (sometimes overlapping) insurance policies involved, having a lawyer on your side can make a big difference in the outcome of your case.

Michael Cerasa offers a free initial consultation either in our office or over the phone. Our Longwood auto accident attorney can serve as your local counsel and handle all of the communication with the insurance company and rental car company for you. We work on contingency fees, so you pay nothing while our team handles your claim, and we only collect fees if we secure a settlement on your behalf.

Call (407) 315-2932 today to start speaking with an attorney about your case.

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