Rental Car When Other Side Is Negligent For Your Missouri Car Crash

Here's what you should know about getting a rental car after a car crash where the other driver was negligent in Missouri:

Potential Coverage:

  • Their Insurance: In most cases, the at-fault driver's insurance company should cover the cost of your rental car while your car is being repaired or replaced after a collision they caused.
  • Rental Car Coverage: Your own car insurance policy might also offer rental car coverage as an add-on. Check your policy details to see if you have this coverage and what the limits are (daily and total rental duration).

Steps to Take:

  1. File a Claim: File an insurance claim with the at-fault driver's insurance company. Provide them with all the necessary details about the accident, including the police report and pictures of the damage to your car.
  2. Confirmation and Coverage: Once the at-fault driver's insurance company accepts liability, they will likely contact a rental car company on your behalf or provide you with specific instructions on how to obtain a rental car with their coverage.
  3. Review Rental Agreement: Carefully review the rental agreement from the car rental company before signing. Understand any limitations on mileage, vehicle type, or additional fees.

Important Considerations:

  • Coverage Limits: The at-fault driver's insurance policy might have limits on rental car coverage. There could be daily or total duration limits on the rental car. You might be responsible for any charges exceeding those limits.
  • Class of Car: Rental car coverage might only extend to a certain class of car (e.g., economy or compact). If you prefer a larger or more luxurious vehicle, you might have to pay the difference.
  • Timeframe: Rental car coverage typically applies for a reasonable repair time for your car. The insurance company might determine what constitutes a reasonable timeframe.

Alternatives if Other Party's Insurance Doesn't Cover:

  • Your Insurance: If the at-fault driver's insurance doesn't cover a rental car, or their coverage limits are insufficient, check your own car insurance policy for rental car coverage.
  • Personal Expense: You can also choose to cover the rental car cost yourself. This might be an option if you urgently need a vehicle and dealing with insurance companies takes too long.

Consulting a Lawyer:

  • Complexities: If the at-fault driver's insurance company denies your claim for a rental car, or there are disputes regarding coverage or timeframe, consider consulting with a personal injury lawyer in Missouri. They can help you navigate the process and ensure you receive fair compensation for your rental car needs.

Additional Tips:

  • Document Everything: Keep copies of all paperwork related to the accident, car repairs, rental car agreement, and insurance communications.
  • Maintain Receipts: Save receipts for any rental car expenses you incur.
  • Be Patient: The process of obtaining a rental car after an accident can take time. Be patient as you work with insurance companies and the rental car company.

By understanding your options and potential coverage, you can ensure you have transportation while your car is being repaired after a car accident caused by another driver's negligence in Missouri. Remember, consulting with a lawyer can be helpful if you encounter any difficulties with obtaining a rental car through insurance.

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