Navigating Rental Car Accidents: Insurance and Liability Explained

rental car accidents

Car accidents can be a daunting experience, especially when it involves a rental car. The complexities of insurance claims and liability issues can add to the stress. This guide aims to help you navigate through these complexities in the state of Georgia.

Our Atlanta car accident lawyers have recovered millions for accident victims in Georgia. Contact us today for a free case review.

Understanding Liability for Rental Car Accidents

In Georgia, the person who is at fault for the accident is responsible for all expenses related to the crash. This includes any rental fees for a vehicle you need while your car is being repaired. This principle applies to rental car accidents as well. If you wreck a rental car, you’ll generally file a claim with your personal auto insurance or rental car coverage. 

If another driver caused the accident, their insurance may be responsible for covering the damages. An Atlanta car accident attorney can assist you by gathering evidence the other driver was at fault, documenting your losses, and negotiating on your behalf for a settlement.

Dealing with Insurance Claims

After an accident, you typically have to file a claim with the at-fault driver’s insurance carrier to recover compensation. However, insurance claims often aren’t settled immediately, and you may need a rental vehicle as soon as possible.

You may need to pay for a rental vehicle out-of-pocket until you can successfully obtain coverage from the at-fault driver’s insurance carrier for the crash. An Atlanta car accident lawyer will consider the cost of a rental when negotiating your final settlement amount.

Insurance Coverage for Rental Car Accidents

The question of who pays for a rental car accident typically depends on the specific circumstances of the accident and the insurance coverage involved.

Personal Auto Insurance

If you were at fault, your auto insurance policy may cover damage to a rental car. However, you should check your policy to confirm this. Georgia law does not require drivers to have rental vehicle coverage as part of their policy.

Rental Car Insurance

Many rental car companies offer additional insurance coverage. That insurance may cover damages to the rental vehicle, liability for injuries to others, and property damage to third parties. The terms and coverage limits of the rental insurance policy can vary, so it’s important to review the policy details.

many rental companies offer additional rental car insurance

Coverage Through Your Credit Card

Some credit cards offer rental car insurance as a benefit. If you used a credit card to pay for the rental, check the terms of the card’s insurance coverage. Note that credit card coverage might be secondary, meaning it kicks in after your personal auto insurance.

Other Driver’s Insurance

If another driver caused your rental car accident, their insurance may be responsible for covering the damages. Dealing with insurance claims can be a complex process, but an Atlanta car accident lawyer can help you recover the compensation you deserve.

Georgia Laws on Rental Car Coverage

All drivers in Georgia must carry at least the minimum auto insurance coverage. Coverage from your personal auto insurance may overlap with rental car coverage.

As per Georgia Code § 40-9-102, individuals renting motor vehicles from U-drive-it owners must obtain insurance. Insurance companies authorized to issue automobile policies are mandated by the Commissioner of Insurance to offer “spot” insurance. This insurance must be obtained by the renter before the U-drive-it owner can legally transfer a motor vehicle to the renter.

Call Our Atlanta Car Accident Lawyers Today!

Handling the aftermath of a rental car accident in Georgia can be a complex process, but with the right knowledge and understanding, you can file your claim and get back on the road. It’s important to know your rights and responsibilities when it comes to rental car accidents and insurance.

If you were involved in a rental car accident that wasn’t your fault, our Atlanta car accident lawyers can help you get the compensation you deserve. Contact the Weinstein Firm at 770-HELP-NOW for a free consultation.

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