Will Insurance Pay for a Rental Car After an Accident?
After a car accident, you may have to deal with some major issues, like seeking medical care for your injuries. You’ll also have to deal with the other driver’s insurance company. But there is another immediate problem that many people overlook. You’ll need a temporary replacement for your damaged car. Even if you suffered minimal physical injury, you still have to get to work and take your children to school. How can you do that if your car is undergoing repair or totaled?
Rental Reimbursement Coverage
Oklahoma law requires all motorists to carry a minimum insurance coverage for bodily injury and property damage to others. You may also have collision coverage to pay for any physical damage to your vehicle. But this does not help you when you need a rental car immediately after an accident.
Most auto insurers offer rental reimbursement coverage an option to their policies. Often, it costs as little as $1 per month. It is important to check with your insurance company to see if you have this coverage. If so, the insurer will typically pay for rental car or transportation expenses up to a certain limit. There are likely daily and total maximums. For example, your coverage may give you $20 per day for rental expenses up to a total of $600 (or 30 days).
Rental reimbursement coverage generally continues only until either your car is repaired or it is declared a total loss. In the latter case, your insurer is only obligated to pay for your rental car up until the day the decision was made to declare it a loss. Otherwise, benefits continue until the repairs are complete, subject to any maximum limits on your rental coverage.
What If Another Driver Is at Fault?
Even if you do not have rental reimbursement coverage on your own policy, if your accident was caused by another driver’s negligence, then their insurer may have to pay for your rental car expenses. Keep in mind, it may take several days and even a couple of weeks to receive approval for a rental car depending on the circumstances of the accident. The other driver’s insurance company will likely want to investigate the accident to confirm their policyholder was at fault. Note that the at-fault driver’s insurance company does not have to provide you a rental car, but most usually do. The law requires actual damages, such as rental expenses, for the loss of use of your vehicle.
Do You Need Help From an Oklahoma Car Accident Attorney?
Obtaining a rental car is one possible issue when dealing with an insurance company after an accident. An experienced Oklahoma City personal injury attorney can assist you with the process and help make sure you are not left stranded without transportation. Contact the offices of Hasbrook & Hasbrook today at 405-698-3040 to schedule a free consultation.