Filing a claim after a car accident with a rental car depends on which driver was at fault for the accident and the state where the accident occurred. It may also be dependent on the type of coverage you have on your policy and if you have any additional coverage.
How Fault Impacts an Accident with a Rental Car
Whoever caused the accident would be an important factor if you're in an accident while driving a rental car and wish to recover damages. However, drivers first must consider the laws in which the accident occurred.
For instance, West Virginia is an at-fault accident state. It requires the insurance company of the driver responsible for the crash to pay for damages. So if the accident occurred in West Virginia and another driver is at fault, you may file a claim with that driver’s insurer to cover your damages.
But if you were the one who caused it happen, the other driver may file a claim with your own insurer. Further, you may be able to recover damages from your insurer if you have the appropriate insurance.
Other Options That May Be Available When Involved in an Accident with a Rental Car
There may be other means of covering damages in an accident with a rental car; for instance, if the person opted to purchase supplemental insurance offered by the rental company. Oftentimes, the credit card used to pay for the rental vehicle may offer insurance for rented cars. Be sure to check the terms of your credit card company, or inquire with the company directly.
With so many variables that can impact this type of case, accident victims should talk with an attorney if an accident with a rental car resulted in serious injuries. If you were in an accident while driving a rental car in or around Clarksburg, West Virginia, call the Miley Legal Group at 304-931-4088 to set up a consultation.