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Rental Car Coverage After an Accident in Utah

August 5, 2024
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Rental Car Coverage After an Accident in Utah

If you've been in a car accident in Utah, dealing with the aftermath can be overwhelming. One important aspect to consider is rental car coverage. Understanding your options and knowing what steps to take can make the process less stressful.

At True North Injury Law our Utah personal injury lawyers know that having a car is a must. We also know that paying out of pocket for a rental car is not at the top of your list when you’re dealing with accident-related medical bills. Below is a guide to navigating rental cars after an accident.

Understanding Rental Car Coverage On Your Own Policy

Rental car coverage covers the cost of a rental vehicle while your car is being repaired after an accident. It's crucial to know whether your insurance policy includes this coverage and what it entails. Many people choose not to include this coverage to reduce policy premiums. So, you will want to find out if you have it or not. Here’s a guide to help you navigate obtaining a rental car after an accident in Utah.

Key Points:

  • Optional Coverage: Rental car coverage is an optional add-on to your auto insurance policy. Check your policy to see if you have this coverage.
  • Daily Limits: Policies usually have a daily limit and a maximum payout. For example, your policy might cover up to $40 per day for a maximum of 30 days.
  • Collision and Comprehensive: If you have collision or comprehensive coverage, your rental car might be covered for damage in an accident or other incidents like theft or vandalism.

There are pros and cons to running property damage and your rental through the at-fault insurance. The pro is that you get a rental car quickly if you have rental car coverage. The con is that you have to pay your deductible. However, once the property damage is resolved, your insurance company will pursue the at-fault insurance company to recuperate the money they have spent. So, you will eventually get that deductible back. If you’re in a hurry, using your own rental car coverage might be the best option.

Steps to Take After an Accident

When you're involved in an accident, follow these steps to ensure you can utilize your rental car coverage effectively.

  1. Report the Accident: Notify your insurance company as soon as possible. Provide them with all necessary details about the accident.
  2. File a Claim: Start the claims process to get the ball rolling on repairs and rental car coverage.
  3. Check Coverage: Confirm with your insurer the specifics of your rental car coverage, including limits and duration.
  4. Choose a Rental Car: Work with your insurance company to arrange for a rental car. Some insurers have partnerships with rental companies, which can streamline the process.

Obtaining a Rental Car Through The At-Fault Driver's Insurance

If the other driver was at fault, their insurance should cover your rental car expenses. Here’s how to proceed:

  • Make Claim Through Their Insurance: Contact the at-fault driver's insurance company and file a claim for your property damage and tell him you need a rental car.
  • Provide Documentation: Be prepared to provide documentation, such as a police report and repair estimates.
  • Duration: The at-fault insurance company should provide you with a rental car until your vehicle is repaired or until a reasonable offer has been made if the vehicle was total loss.

Sometimes instead of getting the rental car set up for you, an insurance carrier will tell you to go get a car and keep the receipts and they will reimburse you. This is not ideal because it leaves the door open for them to refuse to pay or only partially pay later. But it is not uncommon and is worth pursuing if that’s the company’s policy.

There are also pros and cons to using the at-fault insurance to get your rental car. The pro is that you don’t have to pay anything. The con is that the at-fault insurance has 30 days to conduct an “investigation.” So, they often drag their feet. If you have time to wait, this might be your best option.

Working with a Utah Personal Injury Lawyer

Navigating insurance claims and rental car coverage can be complicated. The Utah personal injury lawyers at True North Injury Law can help ensure you receive the compensation and coverage you're entitled to.

Benefits of Hiring a Lawyer:

  • Expertise: Personal injury lawyers have experience dealing with insurance companies and can advocate on your behalf.
  • Maximize Compensation: They can help you recover not only rental car costs but also other damages such as medical expenses, lost wages, and pain and suffering.
  • Legal Guidance: A lawyer can guide you through the legal process, ensuring you meet all deadlines and requirements.

Additional Tips

Here are a few additional tips to help you manage rental car coverage after an accident:

  • Keep Receipts: Save all receipts and documentation related to your rental car.
  • Understand Limits: Be aware of any limits or exclusions in your policy.
  • Communicate: Keep in regular contact with your insurance company and lawyer to stay informed about the status of your claim.

Hurt in Crash? Contact True North Injury Law Today

Dealing with rental car coverage after an accident in Utah can be stressful, but knowing your options and taking the right steps can make a significant difference. Ensure you understand your insurance policy, report the accident promptly, and let the Utah personal injury lawyers at True North Injury Law help you navigate the process. Doing so will allow you to focus on recovering from the accident while your rental car needs are taken care of.

Call our office at 801-849-3664 to schedule your free consultation. We’ll answer your questions and help you mark out the next steps so that you walk out you know where you’re going and how you’re going to get there.

Photo: Cheap car rental by Nick Youngson CC BY-SA 3.0 Pix4free

Contact True North Today

Your journey to justice begins with a single step. Contact us today to discuss your personal injury case and secure the compensation you deserve.
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