A Brooklyn jury awarded Mr. Vargas $17.5 million for the City of New York’s violation of his civil rights for failing to provide him medical care while in custody. The jury found that the police officers involved failed to provide the necessary medical treatment and awarded $17.5 million to Mr. Vargas.
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Rental Car Cost Coverage After An Accident Explained
A car accident can leave you facing many challenges: dealing with injuries, getting your car repaired or replaced, and handling insurance claims. Adding to the stress, you may need a rental car to get around while your vehicle is at the mechanic or while you’re shopping for a replacement. If you’re involved in an accident in New York, one of the frequently asked questions is, “Who pays for rental car after car accident?” The answer depends on several factors, but in many cases, insurance should cover rental car costs.
Does At-Fault Driver Pay for Rental Car?
If the other driver caused the accident, their insurance company should be responsible for your rental car as part of your claim against them. Even in a no-fault insurance state like New York, the at-fault driver’s liability coverage will reimburse you for rental costs from the time of the accident until the repairs to your vehicle are complete or you receive a settlement check for the value of your totaled vehicle.
However, getting the other insurance company to accept liability and pay for your rental car can be challenging. They may drag their feet on approving your claim or try to cut off your rental car coverage prematurely. You can expect the other insurer to provide a rental car for a “reasonable” length of time, but their definition of reasonable may differ from yours.
Take the following steps to protect your rights after an accident that wasn’t your fault:
- Contact the at-fault driver’s insurance company as soon as possible to start the claims process. Provide the date of the accident, the other driver’s policy number, a copy of the police report, and any photos you have of the damage.
- Confirm whether you have rental car coverage under your insurance policy. Your coverage may be faster and easier to use while you sort things out with the other insurer.
- Keep track of all rental car expenses and submit copies of receipts to the insurance company.
- Stay in touch with the insurance adjuster and repair shop to keep your claim moving forward. Unnecessary delays on your part could jeopardize your rental car coverage.
If you run into any unreasonable delays or denials from the insurance company, don’t hesitate to consult with a car accident lawyer to discuss your options.
Will Insurance Cover the Rental Car After an Accident If I’m At Fault?
What if the accident was your fault – will your insurance cover a rental car? The answer depends on the specifics of your policy. Rental car coverage is an optional add-on, not part of standard auto policies. If you need clarification on whether you have rental reimbursement coverage, read through your policy documents or contact your insurance agent. Rental car companies often have collision damage waivers you may have signed when you rented the car.
If you have rental car coverage, your insurer will pay for a rental vehicle up to your policy’s limits, typically $30 to $50 per day for a maximum of 30 days, though individual policies differ. Remember that you will still be responsible for your deductible before insurance kicks in.
If you don’t have rental car coverage, you may have to pay out of pocket after an at-fault accident. However, you can still ask your insurance company if they offer any discounts or preferred rates with rental companies.
Rental Car Coverage After a Total Loss
If your car was totaled in the accident, you may have to cover rental costs yourself once the insurance company makes you an offer for the value of your vehicle. However, some policies do extend rental coverage after a total loss for a set number of days, so check the terms of your specific policy.
When you file a claim, the insurance company will pay and cover the cost, based on the liability insurance and the type of coverage. The insurance adjuster will determine the fair market value of your totaled car and make you an offer. Once you accept their offer, they expect you to turn over the rental car within a certain number of days, since you will have the funds to purchase a replacement vehicle. If they think their offer is too low, you can negotiate, but you will likely have to return the rental car during this process to avoid raising costs you will have to pay yourself.
Contact [firm-name]
Don’t know who pays for rental car after car accident? If another driver hits you and you’re struggling to get their insurance to pay for a rental car, contact an experienced New York City car accident attorney at [firm-name]. Our personal injury lawyers know the tactics that insurance companies use to avoid paying claims and can stand up for your rights. Our legal team offers free consultations, and there are no fees unless we recover money for you from personal injury cases. Call us at [phone-number linked=true] today to discuss your situation and get the rental car coverage you need to move forward after an accident.
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