Jim Adler | The Tough, Smart Lawyer
By Jim Adler June 26, 2015

Americans involved in rental car accidents must understand their legal rights. Many wonder if they should have bought extra rental car insurance, and others may wonder how to report the accident. Jim Adler & Associates has the answers.

Are You Eligible for Payments?

In truth, having an accident in a rental car is very similar to having an accident in your own car, in terms of insurance and traffic laws. If you were injured in a rental car, you should be as eligible for payments for your injury costs as if you’d been in your own vehicle.

That may be true even if you did not purchase special rental car insurance when you rented the vehicle.

Is Rental Car Insurance Needed?

Is extra rental car insurance needed for the time you are driving a rented car? Perhaps not. Depending on the nature of the crash, you should be covered by your own personal car insurance or the other driver’s insurance. In fact, the National Association of Insurance Commissioners says personal auto insurance usually covers claims for rental car accidents.

Yet the NAIC also reports that 62% of consumers don’t think their own personal auto insurance automatically covers rental car accidents. As a result, 20% of car renters always pay for extra insurance, and another 20% occasionally pay for it, even though in most cases they didn’t need it.

Before you rent a car, ask your own car’s insurer if your personal insurance covers accidents while you’re driving a rental car. If you have collision coverage, that should pay for damages in crashes involving other vehicles, such as rental cars.

Credit Card Car Insurance

Also check with your credit card company, since some provide insurance for driving rental cars when you use their credit card for renting the car. According to CardHub.com, credit card companies offering this coverage include Visa, MasterCard, American Express and Discover. CardHub gave American Express its highest rating for this service and Visa its lowest.

However, some coverage provided by credit card companies only applies when other forms of claims or reimbursement do not, thus serving as “secondary insurance” or a backup. Also, if you purchase supplemental car insurance from the rental agency, the credit card company’s insurance will not apply.

Keep in mind that insurance protection via a credit card company may extend only up to a 15-day period of renting. Beyond that, such insurance does not apply. In fact, no credit card company will insure you in a rental car for longer than 30 consecutive days.

Technically, insurance from the car rental agency is not insurance so much as a protection package. It can cost $20 to $40 per day. A collision damage waiver can cost you about $20. It shifts liability for damages from you to the rental agency. However, your own personal auto insurance already should include liability coverage.

Your Own Insurance May Be Enough

Based on all this information, you may discern that you do not need extra coverage provided by paying for rental car insurance. You may find that such special rental car insurance could overlap with your existing coverage and you’d be spending money needlessly by purchasing it with your rental. Thus, your own insurance may be enough.

The majority of personal auto insurance policies do cover damages after rental car accidents, notably any damages you cause other drivers if you were at fault. Your own policy might cover your own property damage independently of who was at fault.

However, keep in mind that if you rent a car for a business trip, your own personal policy will not cover damages unless it also covers business use.

Injury Claims in a Rental Car Wreck

As for injury claims in a rental car wreck, you should notify your own insurance company, the same way as if you’d been driving your own vehicle. If you were driving a rental car in a single-vehicle accident, you may only deal with your own insurance company. When the car rental service is involved, it may have its own guidelines for reporting an accident.

Depending on fault, damages and the insurance coverage available between you, the other driver and the rental agency, you can file an injury claim where appropriate.

If another vehicle was involved, that driver’s insurance may be applied. Alert your insurer and the other driver’s insurer of the accident. If the other driver was at fault, you should file a claim with that driver’s insurer to collect damages for your medical costs, lost salary and other losses. But you must be able to prove that driver’s negligence.

Get a Car Accident Lawyer

If the rental agency denies your claim, of if you have other problems involving your claim, notify a car accident lawyer with Jim Adler & Associates. We can advise you on the steps to take in order to receive payments for your injury losses after a rental car accident.

Don’t let an insurance company deny you the payments you deserve after a rental car accident. Let our law firm help steer you to a successful settlement.

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Google Reviews

I went to the office and everyone was so considerate and professional , so my first impression was good, I felt like I was in good hands. Then I received a call from Vanessa Garcia, she was on top of EVERYTHING! I never had to call her, she always called me. She even called to see how I was doing , and if I needed help with anything. That is why I have absolutely no worries.read more
13:42 01 Jun 17
My lawyer Bill Adler and case manager Iris Sanchez are amazing! They constantly call and check on you . They keep you up to date through the process. They care about you as a person and not just a client. The wreck was a life changing experience that I've never been through before. I'm just glad I had the right people like Bill Adler and Iris Sanchez to help me through it. Truly satisfied.Thanks and God bless y'all!read more
Tierra Clark
Tierra Clark
18:52 19 May 17
I was dropped from a previous law firm regarding my case before I called Jim Adler. They immediately took up my case and worked hard on it - I was always up to date with each step they took and the benefits or consequences of each. In the end, I am highly satisfied with the outcome and would not have it any other way. It took some time but I truly appreciate and want to thank everybody who helped me on this journey and worked tirelessly on it.read more
Tori Barroga
Tori Barroga
14:17 11 May 17
I am a Patrol Deputy for the Sheriff Office and while working one night, a drunk driver crossed the center stripe on the highway and struck my patrol vehicle head on with his pick up truck. Needless to say we (the drunk driver and I) were both lucky to survive, as the accident occurred at highway speeds. Following my release from the hospital, I knew that I would need to have someone represent me. My employer was happy to represent me in regards to prosecuting the driver for criminal charges but, can do little in respect to the recovery of financial losses for medical bills, pain and discomfort, time lost from work etc... This is how my relationship with Jim Adler and Associates began. Yep, you probably guessed correctly when you think of what made me choose the "Texas Hammer" to represent me. Those half obnoxious, half way entertaining commercials and radio announcements most Texans have been seeing and hearing on the TV and radio for years instantly came to mind. Yes, I wanted to "hammer" this S.O.B. for trying to kill me but, more importantly I was worried about the costs associated with the life long injuries I had sustained as a result of this drunk driver's negligent behavior. I contacted Jim Adler and Associates and so began our relationship. I was immediately surprised by the prompt attention and the expression of genuine concern for my well being that I received from the employees of Jim Adler's office. Now as you can imagine, lawyers are not a breed that is held in very high regard by people in my profession but, my experiences with Jim Adler's office and his employees have forced me to amend my way of thinking, at least on the civil side of the house anyway. I have to chuckle when I say that because my experience as a client of Jim Adler's firm has been exceptionally pleasant. So before I venture down one of the stereotypical and infinite number of rabbit holes associated with the relationship between members of law enforcement and lawyers; I will do my best to stay focused on my experience with Jim Adler & Associates. Upon being informed that my case had been accepted by Jim Adler's office; I was contacted by Iris Sanchez who informed me that she was to be my case manager and any questions, comments and concerns could be directed to her. I was pleasantly surprised to receive regular calls from Iris assisting with my medical appointments and future follow up appointments. Iris had informed me that Jim Adler's son, Bill Adler would be handling my case and I was even more surprised to receive several calls from Bill to discuss my case. Now you might be thinking "what's the big deal" with the person who is representing you contacting you? In reality, you are correct in that it isn't a big deal but, what is noteworthy and what separates Jim Adler's Office from the multitude of other lawyers is the genuine expressions of concern and the desire Bill Adler conveyed to me to do their best to help me. I felt an immediate connection and instantly realized I had made the correct choice in contacting Jim Adler & Associates to handle my case. One thing I think lawyers and police officers can agree on is the proverbial wheels of justice turn very slowly. Months go by and our professional relationship is never neglected. Through the unwavering attention of Iris Sanchez and Bill Adler himself, I never felt "out of the loop" so to speak and always had a clear understanding of where my case was at in regards to the legal process. In conclusion, I know my brief description of my experiences with Bill Adler and, his assistant Iris Sanchez, cannot provide the credit they deserve. Together they have done an outstanding job representing their firm/employer. If you are seeking a great firm to represent your legal interests and, take comfort in establishing a professional relationship that feels more like a friendship than a casual business acquaintance, then I highly suggest Jim Adler & Associates.read more
Erick Becker
Erick Becker
01:20 06 May 17
I am very happy with Jim Adler & Associates. I did not know anyone who has ever used the Law Firm before. The staff is very friendly and treated me as if I were family. At times it got very stressful being without a job. They helped me when I was confused about the process. Mrs. Theresa Rodriguez stayed in contact with me constantly. Checking on me to see how I was doing and to let me know how things were going on there end. The Attorneys that handled my case know exactly what they are doing to take good care of me. Thank You so much Attorney's Mr.Michael Gomez and Mr.Trey Smith.read more
Bernard Orozco
Bernard Orozco
17:16 23 Feb 17
Jim Adler only offer nothing less than a great experience. They are a very well-established organization. They are outstanding on keeping you up to date with cases. There's no beating around the bush with this organization as they are only straight forward with the whole process. They treat their customers like family as well as go above and beyond to fight cases for you only leaving you with nothing but the best experience. Easy 5-star rated organization. I would highly recommend this one organization you not look over.read more
Lorenzo Preston
Lorenzo Preston
17:23 26 Jan 17
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