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Rental Car Cost Coverage After An Accident Explained


Last modified on March 19, 2024

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. Many accident victims ask, “Who pays for a rental car after an 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 own 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.

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 for the rental out of your own 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

Rental Car Cost Coverage After An Accident Explained

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.

The insurance company 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 Harris Keenan & Goldfarb

If another driver hit you and you’re struggling to get their insurance to pay for a rental car, contact an experienced New York car accident lawyer at Harris Keenan & Goldfarb. We know the tactics that insurance companies use to avoid paying claims and can stand up for your rights. We offer free consultations, and there are no fees unless we recover money for you. Call us today to discuss your situation and get the rental car coverage you need to move forward after an accident.

Over $500 Million in Verdicts and Settlements

Our track record showcases over $500 million won for our clients. Each victory underlines our commitment to justice and client care. Explore our impact, case by case.



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.



Harris Keenan & Goldfarb partners Seth Harris and Sheri Holland obtained a $4,730,398.00 jury verdict on behalf of our client who tripped and fell at a private apartment building in the Bronx, suffering a broken foot that developed a very painful, permanent neurological condition called Reflex Sympathetic Dystrophy (“RSD”).



A Bronx jury awarded John Doe over $12 million for an accident on a construction site. John Doe was working when a piece of scaffold weighing 35 pounds fell, striking John Doe in the lower back. John Doe suffered a herniated disc requiring surgical removal of a portion of the disc and permanent nerve damage.



A Bronx jury awarded $10.5 million to the mother of Malcolm Ferguson, who was wrongfully shot and killed by the New York City Police Department. The police officer, Louis Rivera, also a defendant in the case, was found to have used excessive force in violation of Malcolm Ferguson’s civil rights as protected under the United States Constitution.



A Bronx jury awarded plaintiff William Cardoza $4 million for injuries caused by the use of excessive force during an arrest. During the arrest, Mr. Cardoza was pepper-sprayed and repeatedly hit with a police nightstick. As a result, Mr. Cardoza sustained injuries to his hand and finger.



The firm’s client, a 33-year-old teacher’s assistant, was scalded by an espresso machine that exploded while the defendant’s employee was demonstrating how the machine worked. The client was a customer at the defendant’s coffee shop on the date of the accident and suffered first-degree burns to her right (dominant) hand.



The firm represented the mother- decedent and her infant son. During the decedent’s admission to the defendant hospital, the defendant dispensed anesthesia during an epidural to the decedent in an inadequate manner. The mother-decedent suffered personal injuries and wrongful death due to the defendant’s failure to properly administer epidural anesthesia.



Mr.Brennan fell from approximately 25 feet while working on a construction project. He suffered a shattered bone in his right leg requiring surgery and hardware placement. Mr. Brennan also suffered two fractures in his facial bones, and a dislocated finger requiring surgical repair.



The firm’s client was a child with cerebral palsy who was injured as a result of medical malpractice. The firm’s clients claimed improper management of pregnancy, labor, and delivery resulting in brain damage, and received a Brooklyn personal injury settlement.



The firm’s client, a 63-year-old mentally incompetent man, slipped and fell in his own urine while attempting to walk to the bathroom at the defendant’s senior citizen home. The client fractured his hip and as a result is confined to a wheelchair for the rest of his life. The client claimed that the staff of the home failed to properly care for him, and the jury awarded $1,677,835.



The firm’s client, a 47-year-old male, slipped and fell on a public sidewalk in the Bronx. It had snowed four to five days prior to the date of the accident, and the sidewalk was covered with ice. The client suffered a lumbar fracture and a herniated disc. The jury found the city liable and awarded the client a $2,995,000 personal injury settlement in the Bronx.



A Bronx jury awarded plaintiff Luis Molina $2.61 million for injuries sustained when he fell down a subway station stairway. Mr. Molina was caused to slip and fall as a result of a plastic bag that had blown onto the steps from a street opening. As a result of the fall, Mr. Molina suffered a herniated disc and a tear of his right shoulder’s rotator cuff. The jury found that the NYC Transit Authority was liable for the accident.



A Bronx jury awarded Ms. Colon $2.25 million for a trip and fall accident. Ms. Colon was caused to fall when she moved to the right to allow another pedestrian to pass, and her foot rolled to the outside due to the sidewalk being unlevel with the adjoining grass. The jury found the defendant liable and awarded Ms. Colon $2,253,714.00 for her pain and suffering.



A Brooklyn jury awarded Arvella Floyd $1.9 million for a fractured wrist which required multiple surgeries, including an open-reduction internal fixation and a carpal tunnel release. Ms. Floyd was injured when the hot water knob of the shower fell off after numerous complaints to the superintendent, and scalding water spewed toward her, causing her to
fall and break her wrist.



A Bronx jury awarded plaintiff Juanita Young $1,350,000 for injuries caused by the use of excessive force during an arrest. During the arrest, Ms. Young, who is legally blind, was handcuffed from behind, with her children watching, and taken to the top of the stairs to exit the building. The officer proceeded to push her down the stairs multiple times.

What Our Clients Say About Us

Angelo Del GuercioAngelo Del Guercio
20:03 11 May 24
Horrible people. I lost complete confidence in this firm. Attorneys dragged their feet for 4 years and my mom died before a settlement could be reached. I advised them several times that my mom was sick to put fire under their feet but the effort was to no avail.
david Santiagodavid Santiago
18:05 21 Mar 24
Maria RoqueMaria Roque
20:49 15 Mar 24
Excellent person, very Professional, they assist you in any language, your call is always answered. I recommend you for any case of support you have, your refund is satisfactory. and fast
14:09 02 Mar 24
I am completely satisfied, and recommend Harris Keenan & Goldfarb as Attorneys to represent anyone. Their care for me physically, and overall helped me stay strong in spite of my injuries. Always available to answer questions, and inform.They got me Justice, and achieved a substantial outcome for my case.I am very impressed, and thankful for their outstanding performance on my behalf.I am very pleased, and significantly satisfied with their representation.‐-Sherylon Wilkins
Robert LennonRobert Lennon
15:26 21 Feb 24
Patient and diligence is how I describe the effort of HKG the work was thorough, honest and fair, I have no complaints. Special thanks to attorney Blake and his paralegal Thierry.
Gene Matos (fanboye)Gene Matos (fanboye)
18:48 15 Jan 24
I first crossed paths with Seth Harris when serving jury duty many years ago. He was so professional and personable, that when my mom was seeking legal counsel for medical malpractice, I told her she had to reach out to his firm. We had meetings with a few different firms, but Harris Keenan & Goldfarb was the only firm that did not try to get us to sign paperwork before even meeting. They took the time to listen and understand our situation before we signed anything, and they were transparent and responsive the whole time. I would like to give special thanks to Samantha Walton, Marla Stein, Val Wallace and Seth Harris for helping my mom through this tough time. They were honest and upfront, and even though Seth Harris wasn't personally on the case, he took the time to meet with us and give us his thoughts on it.
Solange IsaacSolange Isaac
17:52 08 Jan 24
I am pleased with the services provided by Ms Sheri on my case. The team at Harris, Keenan, & Goldfarb were very nice and explained everything to me. Everything that I had questions on they answered without frustration and were prompt and knowledgeable.6 years ago I had a slip and fall accident at my employers place of business. I reached out to them because I knew that I was being wrongfully treated. They took care of the case, restored my self confidence, and brought so much peace to my problem riddled life.I can recommend without a shadow of a doubt the services of Harris, Keenan & Goldfarb to anyone who is in need of someone who will have your back!
Brittany DempseyBrittany Dempsey
16:02 08 Jan 24
My mother had an accident with her ankle back in 2019. I immediately contacted Harris, Keenan & Goldfarb on the day of the accident. They were extremely prompt and helpful. They attended to my mother's case beautifully and she's been recovering well. I'd like to thank you for being so diligent, kind and above all professional. I'd recommend this law firm to anyone who are injured and in need of legal assistance. My mother, Andrea, and I thank you for everything.
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Frequently Asked Questions

Common questions that prospective clients have about personal injury claims include:

  • Do I need an attorney?

    When you have suffered an injury, it can be difficult to know what to do next. If the injury was caused by someone else’s negligence, you may be entitled to compensation. However, filing a personal injury claim can be a complex and time-consuming process. An experienced attorney can help you navigate the legal system and fight for the maximum possible compensation.

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