If you get into an accident while driving a rental car, you might wonder what steps you should take to prevent yourself from having to deal with any unforeseen liability issues. It’s a good idea to make sure you have the proper insurance coverage in place before you rent a vehicle. Here’s a quick overview of what you should know.
Your personal insurance
You should check and see what your personal vehicle insurance coverage says about rental cars, even before you rent a vehicle. In some cases, personal car insurance offers coverage that would be exactly the same as what you’d get in a rental insurance package from a rental car company. In other cases, you might still bear some liability.
If you decide to pass on liability coverage or collision damage waivers when renting a vehicle, you might be required by rental car companies to provide proof of insurance coverage that will cover the rental car.
There are several supplemental rental insurance options usually provided by rental car companies.
The collision damage waiver is technically not insurance, but it does meant he rental car company will waive replacement or repair costs if the vehicle is damaged or stolen, unless the damage was a result of reckless driving or an unauthorized driver was driving.
Liability coverage pays for any property damage or medical expenses incurred by other people involved in a car accident involving your rental vehicle. This frequently overlaps with personal car insurance coverage, but you should be mindful of how much coverage you have.
Personal accident insurance pays for any injuries you or your passengers experienced, as well as ambulance expenses and death benefits.
Finally, personal effects coverage pays for lost or damaged personal property.
For more information about your coverage options when renting a car, contact an experienced Bradenton, FL auto accident lawyer at Goldman, Babboni, Fernandez & Walsh.