Being in a motor vehicle accident is not the most pleasant experience, but it becomes an even bigger headache if you get in a car crash in a rental car. Yes, expect to reach the point when your head is close to exploding from having to fill out a bunch of paperwork and read tons of documents written in legalese (the contract you signed with the rental company, the insurance policy, Missouri laws regarding liability in car accidents involving rental vehicles).
Our Kansas City rental car accident attorney from Mayer & Rosenberg, P.C., explains that from the legal standpoint, getting into a car crash on a rental vehicle is more complicated than getting into a motor vehicle collision on your own vehicle for multiple reasons, and the most prominent of which are (1) the fact that there will be one more party involved (the rental company that provided you with the vehicle), and (2) the fact that you still have a legal obligation to return the rental car to the company in the exact condition that you rented it.
One of the first questions that you will Google after a rental car accident is probably this: “Can the rental company be held responsible for my car accident?” The answer is, “Yes, it can, but it’s complicated.” There are limited circumstances under which you might be able to hold the rental company liable for the car crash, one of which is if the vehicle that you rented was defective, flawed, poorly maintained, or otherwise dangerous and you can prove that the car was in that condition before it came into your possession.
Generally, whether or not you can hold a rental company responsible for your car crash will depend on the terms and conditions outlined in the rental agreement that you had to sign when renting the vehicle. “In that agreement, you will find plenty of information about the rental company’s liability and your rights in the event of a car crash,” explains our experienced rental car accident attorney in Kansas City.
The second question that will be on your mind after getting into a car accident on a vehicle that you rented is probably, “Will I be compensated for my damages and losses by my insurance company?” The answer is, “It depends.”
Whether or not you will have insurance coverage for a car accident on a rental car depends on the language of your existing insurance policy. More often than not, unless you have evidence to prove that the rental company caused or contributed to the crash, you may be able to get coverage from one or several of the following types of car insurance:
After a car accident in a rental car, you will have to contact the rental company that provided the rental vehicle to you. Before doing so, it is recommended that you speak to a Kansas City rental car crash accident lawyer to be prepared for all kinds of uncomfortable and unexpected questions that you can be asked with the intent to minimize your coverage or deny your claim altogether.
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