Renting a car should be straightforward: pick up the keys, sign some papers, and hit the road. But if you get into an accident with a rental car, things can get complicated quickly. Suddenly, you’re caught up in insurance policies, confusing rental agreements, and questions about who’s responsible for damages or injuries. For those driving in Missouri, whether residents or visitors, dealing with all this can feel overwhelming.
At Rah Law, we often see confusion after rental car accidents. The rules differ, and companies usually try to shift blame to defend themselves. Knowing your legal rights and obligations can significantly impact the outcome of your claim.
Who Pays After a Rental Car Accident
Deciding who is financially responsible is usually the main concern. Even if you’re driving a rental, Missouri law still follows a fault-based system, so the liable party must cover damages and injuries. Rental car accidents can involve several coverages, including your personal auto policy, the rental company’s insurance or damage waivers, credit card protections, and the at-fault driver’s insurance. The main challenge is figuring out which coverage kicks in first and what each policy covers.
Your Personal Auto Insurance
Most drivers do not realize their personal auto policy typically follows them into a rental car. If you have liability coverage, it usually applies if you cause a crash. Medical payments coverage and uninsured motorist protection also often transfer to a rental.
This means your own insurer may be the first one involved, even though the vehicle is not yours. The rental company’s fine print can make this confusing, but an attorney can determine what your policy actually covers.
Rental Company Insurance Options
When you pick up your rental car, the company often offers additional coverage options like a loss damage waiver, supplemental liability protection, or personal accident insurance. While the names may differ from one company to another, their goal is the same: helping to protect you financially.
People sometimes choose to overlook and skip these extras without fully realizing what that might mean. Some believe their personal insurance covers everything, while others depend on their credit card coverage without knowing its limits. If an accident occurs, these assumptions could lead to unexpected bills from the rental company. Being informed can help you make the best decision and avoid surprises.
Credit Card Coverage
Many major credit cards include rental car coverage, but people are often unaware of its limits. Typically, credit card coverage only protects against damage to the rental vehicle itself and does not cover injuries or damage caused to other drivers. Additionally, some plans exclude specific vehicle types or require you to refuse the rental company’s insurance.
If you rely on credit card protection, it is advisable to have an attorney review the policy thoroughly. While these programs can provide assistance, they are seldom sufficient independently.
What Happens if You Were Not At Fault
If the accident was caused by another driver, their insurance ought to pay for the damages. However, rental car companies frequently urge renters to make payments in advance, even if they are not at fault. They might also impose charges for the vehicle’s unavailability for upcoming rentals. These expenses can accumulate rapidly.
An attorney can personally reach out to the rental company and the at-fault driver’s insurer, helping you avoid unnecessary costs and ensuring your rights are protected under Missouri law.
When the Rental Company Tries to Blame You
It’s common for rental companies to claim that a renter broke the rules. They might say you let an unauthorized driver use the vehicle, drove in a restricted area, or didn’t report an accident right away. Sometimes these accusations are valid, but other times they may be tactics to avoid paying insurance claims.
At Rah Law, we often review rental agreements to see if the company is following the law. Renters generally have more rights than the company might suggest.
Injuries and Medical Claims
If you were injured in the crash, your medical expenses are handled the same way as any other auto accident. You may pursue compensation from the at-fault driver, their insurer, or your own policy, depending on the circumstances.
A rental car does not limit your right to recovery. In fact, many injury claims involving rental vehicles are strong because liability is clear and the rental company’s records help establish timelines and conditions.
Why Legal Help Is Important
A rental car accident involves multiple companies with differing interests, and insurance adjusters often don’t explain your rights. Rental reps may withhold optional charges, and credit card companies can deny coverage unexpectedly. A car accident lawyer can review contracts, negotiate with companies, and protect you from paying for things you’re not legally responsible for.
When It Is Time to Reach Out
If you were involved in an accident while driving a rental car in Missouri, remember, you don’t have to face the aftermath on your own. Getting the right insurance advice and legal guidance can really help make everything much easier and less stressful for you.
At Rah Law, we’re dedicated to guiding people throughout Missouri through the confusing aftermath of rental car accidents, so they can seek the compensation they deserve. Just one call can help you understand your rights, steer clear of costly mistakes, and move forward with confidence.
