Most of us never expect to get into an accident with a rental car; however, such accidents do occur.
In Chicago, accidents with rental vehicles occur at a higher rate based on the driver’s experience and make and model of the vehicle. There could be many reasons for this, one being the unfamiliarity of the driver with the vehicle and the area being navigated.
Insurance for Rental Cars
Due to the high rate of accidents with rental cars, all rental companies offer supplemental insurance and some offer additional insurance-like coverage. In Illinois it is not mandatory for consumers to buy supplemental insurance; however, it is recommended by our Chicago car accident attorney. It is advisable that consumers check whether their own insurance policy extends to rental cars. Common supplemental coverages include Supplemental Liability Protection (SLP), Collision Damage Waiver (CDW), and Personal Accident Insurance (PAI).
Unique Issues Presented by Rental Car Accidents
Rental car agreements are complex and there are a number of parties involved including the client, rental car company, supplemental insurance company, credit card issuer and its insurance company. Because there are many parties involved in a rental car accident claim, the process itself and any negotiations that may be necessary become much more complex compared to a standard car accident claim. Multiple lawyers may be involved and the consumer may find it hard to be heard. It is important to seek immediate legal representation by requesting a free consultation.
In Case of a Rental Car Accident
- Seek medical attention.
- Contact the police immediately.
- Take photos of the damage to all the vehicles involved.
- Contact the rental company and comply with any reasonable instructions.
- Contact your insurance company and/or credit card company, if applicable.
- Request a copy of the rental agreement, copy of the accident report, repair estimates, and claim documents.
Getting Legal Help After a Rental Car Accident
If you have been involved in a rental car accident, the claim process can be long and tiring and negotiating with the insurance company can be particularly tough. Have a Chicago car accident lawyer from Willens Law Offices by your side. We will protect your rights, negotiate with the insurance company and other parties on your behalf. Call us at (312) 957-4166.