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  • Writer's pictureRobert Schuerger II

Does the At-fault Driver Pay for a Rental Car in Ohio? | Schuerger Shunnarah Trial Attorneys

In the aftermath of a car accident, one of the main concerns for the victims is how they will get around while their personal vehicle is being repaired. This becomes even more relevant when the accident is not their fault, as they should not bear the financial burden of a rental car.

As a no-fault driver involved in a car accident in Ohio, it's essential to know that the at-fault driver's insurance company is responsible for covering the cost of a rental car until the victim's vehicle is repaired. This means they should not have to pay out-of-pocket for rental car expenses.

How Does an Insurance Company Determine Rental Vehicle Expenses After a Car Accident?

How Does an Insurance Company Determine Rental Vehicle Expenses After a Car Accident?

When filing an insurance claim after a car accident in Ohio, contacting the other driver's insurance company is essential. They will then determine the extent of the other driver's liability and should provide the plaintiff with a rental vehicle while their car is in the repair shop.

However, the at-fault driver's insurance company may try to dispute the extent of liability or the need for a rental car.

Consulting with a legal professional specializing in car accidents and insurance disputes is crucial. They can advocate for the victim's rights and ensure the other driver's insurance company fulfills its responsibility.

On the other hand, if the other driver's insurance company refuses to cover the plaintiff's rental car expenses, they can turn to their own insurance company for assistance.

The victim should review their car insurance policy to determine if it includes rental car coverage. If it is, they may be eligible for rental car reimbursement through their own insurance provider.

Will the At-fault Driver's Insurance Company Pay for the Rental Car?

Victims of car accidents in Ohio should not have to bear the burden of rental car costs when the accident was not their fault.

The at-fault driver's insurance company is responsible for providing a rental car until the victim's personal vehicle is repaired. If the insurance company disputes or refuses to cover the rental car expenses, it's essential to consult with legal experts who can help navigate the situation and protect the client's rights.

Also, it's worth noting that the rental car provided by the other party's insurance company should be comparable to the victim's own vehicle. If the plaintiff has specific requirements or needs a larger rental vehicle, they should relay the information to the insurance company to ensure their demands are met.

Victims should remember that the negligent driver's auto insurance company should pay all car rental costs as part of the total compensation. Additionally, motorists in Ohio don't have to purchase a rental car insurance policy, but they can invest in one if they want to.

Most rental car companies in the state offer a minimum liability insurance coverage of $25,000 for bodily injuries/person, $50,000/accident, and $25,000 for property damages.

Is Rental Car Coverage Worth Purchasing?

When it comes to rental car coverage, many victims of car accidents wonder if it's really worth the additional expense. After all, isn't that what car insurance is for? However, understanding the importance of rental car coverage and its benefits can help motorists make a more informed decision.

Securing a rental car is crucial in the unfortunate event of a vehicle accident, especially if the victim is not at fault.

While the at-fault driver's insurance company should ideally pay for a rental car, this might not always be true. Insurance claims can sometimes get complicated, leading to delays and disputes that leave victims without a vehicle while their own car is being repaired in the shop.

Motorists might find themselves paying out-of-pocket expenses for a rental vehicle without proper coverage, adding financial strain to an already stressful situation. Rental car costs can quickly add up, especially if the vehicle is necessary for work or daily commutes. This is where rental car reimbursement comes into play.

Having rental car reimbursement gives victims peace of mind, knowing they won't have to worry about hefty rental car costs or haggling with insurance companies. It allows them to focus on getting back on track after an accident without worrying about transportation issues.

Most insurance companies offer rental car insurance as an optional add-on, and the cost is usually relatively low compared to the potential savings and convenience it provides.

By including rental car coverage in their auto insurance policy, automobilists are better prepared and protected if they need a car after an accident.

Where to File a Claim for a Rental Car After a Car Accident

Car accidents can be devastating, leaving victims with physical injuries and the hassle of navigating through insurance claims.

One crucial aspect of post-accident procedures is determining where to file a claim for a rental car. Victims often need a temporary replacement vehicle while their car is being repaired, and understanding the process can ease some of the stress during this challenging time.

The most common route is to file a claim with their own insurance company if they have car insurance coverage, including rental reimbursement.

This coverage, often an optional add-on called rental car reimbursement or additional transportation expense coverage, can be invaluable in covering the cost of renting a vehicle while the victim's car is out of commission. If the plaintiff was in an accident that wasn't their fault, another potential option is to file a claim with the at-fault driver's insurance company.

In this situation, the victim must establish liability and demonstrate that the other driver was responsible for the accident. It's essential to gather evidence and relevant documentation to support the claim, such as:

  • Police reports

  • Witness statements

  • Videos and pictures

Filing a claim with the at-fault driver's insurance company may be an appealing option if the victim's car insurance policy doesn't include collision coverage.

However, it's crucial to note that this process may take longer, as liability needs to be determined before the claim can proceed. The other party's car insurance company might investigate before accepting liability, which could delay the approval for a rental car.

After filing a claim with the insurance company, victims should also receive guidance on the rental car process. The other insurance company should provide the victim with a comparable vehicle to their own, ensuring they have a means of transportation while their car is being repaired.

It's essential to clarify with the insurance company the terms and limitations of the rental coverage, such as the rental duration and any additional expenses that may or may not be covered.

How Car Accident Lawyers Can Help Motorists Navigate the Legal System

How Car Accident Lawyers Can Help Motorists Navigate the Legal System

Experienced attorneys specializing in car accidents understand the intricacies of the legal system. They can help answer questions like Is Ohio a no fault state for car accidents? Their primary goal is to help victims prove liability and ensure the at-fault driver pays for their negligence. When dealing with insurance companies and the at-fault driver's insurer, these lawyers are well-versed in the tactics often employed to minimize payouts.

One of the first ways car accident lawyers help their clients is by ensuring they can access a temporary vehicle. After an accident, many individuals find themselves without a car, making it difficult to carry on with their daily routines.

Attorneys can work with the victim's insurance company or the at-fault driver's insurance company to secure a rental car.

Colliding with another vehicle can result in significant damage, requiring costly repairs. If the insurance company of the at-fault driver refuses to cover the cost of repairing the victim's car, the lawyers can assist in seeking reimbursement.

These attorneys know how to negotiate with insurance companies to ensure their clients are not burdened with unnecessary financial expenses.

Gathering and collecting evidence is a crucial aspect of any case. Car accident lawyers work tirelessly to ensure no stone is left unturned in securing evidence to support their client's claims. They can use various resources to build a strong case against the at-fault driver:

In cases where liability is disputed, lawyers can also use third-party experts' services to provide opinions and testimonies. These experts, often accident reconstruction specialists or medical professionals, can provide invaluable insights that can help strengthen the victim's case.

It is important to note that auto insurers often try to downplay or minimize payouts to accident victims. Qualified lawyers know these tactics well and have the knowledge and experience necessary to counteract them.

They fight tirelessly to ensure that their clients receive the compensation they deserve, covering not only medical expenses but also lost wages, pain and suffering, and other related damages.

Final Words

Many insurance companies provide car rental coverage as part of their policies, but the process can be tricky and confusing.

Collision coverage pays for damages to the victim's car after an accident, regardless of who is at fault. However, motorists who don't own coverage, or if their policy doesn't include car rental reimbursement, may need to rely on the at-fault driver and their insurance company to cover the cost of their rental car.

It's important to note that the other driver's insurance company might not immediately agree to cover the rental expenses. They might try to find ways to deny or delay the claim, making the process even more challenging. In such cases, having a qualified attorney can be invaluable.

Boasting "We Go to War for You" on its website, the qualified lawyers at Schuerger Shunnarah Trial Attorneys can help automobilists receive the compensation they deserve for their expenses. The experts will negotiate with the insurance company and fight on their client's behalf to ensure a fair and just outcome.


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