Car Accidents in Chicago, Illinois After a car accident that caused damage to your car, you may be left without transportation when your vehicle is totally destroyed or is being repaired. In these types of situations, you're probably wondering how to get a rental car and who will be responsible for paying the fees. While you wait for your vehicle to be changed or repaired, you'll need a way to get around. Car rental costs can also quickly become expensive when you need to continue renting the vehicle for a week or more.
If the other driver was at fault for causing your accident, your insurance company should be responsible for paying the costs of your rental car until your vehicle is repaired or until you have received the fair market value of your total vehicle. The at-fault driver's insurance company must also pay the rental costs of a vehicle similar to yours that was damaged or destroyed in the accident. For example, if you were driving an SUV, the insurance company can't get away with paying just the rent of a compact car. While it may seem like the process should be simple when you weren't at fault, getting reimbursed for car rental costs is often more difficult.
Ideally, the at-fault driver's insurance company should immediately assume responsibility for the accident and agree to pay for the rental vehicle. However, insurance companies often contest liability, which means that they may not agree to pay the costs of renting the car right away. Unless your vehicle was damaged by the other driver in a rear-end collision, you can expect that the other driver's insurance company will challenge your insured's liability or the degree of fault each of you had in the collision. These are some of the most frequently asked questions people have about refunds for rental vehicles after an accident.
On the other hand, if your insurance policy doesn't include coverage for a rental car, the situation will be different when the other insurance company denies liability or doesn't make an immediate decision on your claim. In that case, you can pay the costs of your rental vehicle yourself or you can charge them to your credit card. This can be risky because you won't be reimbursed for your rental fees if it's not determined that the other motorist was at fault. If the other driver is found to be at fault for your collision, the driver's insurance company will have to reimburse you for the expenses of renting the car and other damages.
However, the claim process can be lengthy. If you and the other party discuss which of you was responsible for the accident, it could be months before your claim is resolved. If the other driver's insurance company agrees to pay for your rental vehicle, you can usually continue using it until the vehicle is repaired or the insurance company pays you the full value of the vehicle. However, you will need to check the laws in your jurisdiction and the policies of the insurance company, as they may vary.
To protect yourself, be sure to document all communications you have with the insurance company. Ask the insurance adjuster to contact you in writing, if possible, so that you can keep the communications as evidence. You can also choose to hire an attorney to help you recover damages for your accident and your losses. Your lawyer can demand your property losses and car rental rates, in addition to the losses caused by your injuries.
When a lawyer submits a demand letter, this could prompt the insurance company to act. If you receive a settlement offer for your injury claim, read it carefully to ensure that you won't give up your rights to property damage and car rental rates. Your lawyer will explain the settlement offer to you and help you determine if it is reasonable or not. If that happens, you can file a claim with your insurance company if you have rental car coverage.
Then, your insurance company can ask the at-fault driver's insurance company to reimburse you for the amounts you paid, as well as your deductible. If that happens, your company will reimburse you for the deductible. Hiring an experienced lawyer could help you recover your rental car reimbursement for your collision much faster. The lawyers at Lamber Goodnow have years of experience in accident claims and understand how to pressure insurance companies to act faster.
Your lawyer can also help you obtain compensation for your other economic and non-economic losses, in addition to car rental rates and property damage. Consulting with an attorney as soon as possible after your car accident is the best way to protect yourself. Your lawyer can start pressuring the at-fault driver's insurance company to recover compensation for you. If you don't already include car rental reimbursement in your insurance policy, it's a good idea to add this type of coverage to protect yourself from future accidents.
Car rental coverage won't add an excessive cost to your insurance premiums and can help protect you in similar situations. Nogales, Arizona 520-394-4733420 West Mariposa Road, Suite 200 Nogales, AZ 85621 Reno, Nevada 775-386-6155300 E. Lamber is only licensed in Arizona, Colorado, Illinois and New York. Goodnow is licensed in Arizona, Colorado, Illinois, New York and Washington D.C.
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If your insurance company is successful, it will reimburse any deductibles you had to pay from your recovery to the at-fault driver's insurance company. Your insurance company will pay the rental costs of the car and will request reimbursement from the other driver's insurance company. On the other hand, if your insurance policy doesn't include rental car coverage, the situation will be different when the other insurance company denies liability or doesn't make an immediate decision on your claim. Be sure to keep the receipts for all the amounts you paid out of pocket after your insurer's rental vehicle coverage period ends.
In some cases, that will be enough for the insurance company to agree to pay the costs of renting the car. .