Getting a Rental Car after a Car Accident in McAllen
Who Pays for a Rental Car after a Crash?
Most people depend on their vehicles every day. Whether driving to work, school, the grocery store, or to pick up your kids, you rely on your car to take you where you need to go. After an accident, your car will likely be damaged and need repairs. Your car could even be considered a total loss, meaning it is irreparable. So, what happens next?
For many, the next step is securing a rental car so that they can continue going to work, running errands, and living their day-to-day lives while their cars are in the shop. But rental cars can be expensive, and many people don’t have the necessary funds set aside to pay for one, especially when their cars are expected to be in the shop for weeks or when they are completely totaled.
At Tijerina Legal Group, P.C., we assist clients in getting rental cars after car accidents. In many cases, we are able to recover compensation for rental car costs from the at-fault driver’s insurance company. In fact, this may be already covered under the other driver’s auto insurance policy. Attorney Humberto Tijerina and his team can help you determine if you will need to pay for a rental car upfront and seek reimbursement, or if the insurance company will cover the costs of a short-term car rental.
Continue reading to learn more, or contact our McAllen car accident lawyer at (956) 777-7700 for a free consultation today! There are no fees unless we win your case.
Texas Property Damage Claims
After a car accident, you may be dealing with minor cuts and scrapes or severe bodily injuries. In order to seek compensation for your resulting medical bills, lost wages, and other losses, you can file a personal injury claim against the negligent driver (or another liable party).
Similarly, but separately, you may also file a property damage claim to seek compensation for property-related damages, including the cost of repairing your vehicle. At Tijerina Legal Group, P.C., we assist clients with all legal issues surrounding property damage claims after motor vehicle crashes. We are available to take your call 24 hours a day and can answer any questions you may have during a free and confidential consultation.
Types of Auto Insurance Coverage
The question of whether or not the insurance company will cover the cost of your car rental depends on the type of auto insurance both you and the at-fault driver have. In Texas, all motor vehicle operators are required to carry at least the minimum liability insurance coverage, which includes $25,000 in property damage coverage.
Additional optional types of auto insurance coverage include:
- Collision: If you do not own your vehicle outright, meaning you are financing your vehicle, you most likely have collision coverage, as most lenders require it. With collision coverage, all vehicle repairs and replacement costs are covered by your own insurance provider, regardless of who was at fault of the accident. You will likely be required to pay a deductible.
- Uninsured/Underinsured Motorist (UM/UIM): UM/UIM coverage is not mandatory in Texas, but you most likely have it unless you have specifically declined this type of coverage with your insurance provider. UM/UIM coverage includes a minimum of $15,000 in the event you are involved in an accident with someone who does not have insurance, flees the scene, or does not have enough insurance to cover your damages.
- Comprehensive: Comprehensive coverage is similar to collision in that it is typically required by lenders when a person is financing a vehicle. However, unlike collision, comprehensive kicks in when your vehicle is damaged or destroyed in a non-accident event, such as a fire or flood, or when your vehicle is stolen or vandalized.
Depending on the type of coverage you have, as well as who was to blame for the accident, you may be able to receive compensation for the cost of a rental car through your own insurance company or the at-fault driver’s insurance provider, or both. Some insurance policies even include specific rental car coverage; we can help you go over your insurance policy, as well as the available coverage from the at-fault driver’s insurance provider, to determine how you can get the cost of a rental car covered while your vehicle is being repaired or replaced.
What Type of Rental Car Can You Get After an Accident?
Many people take great pride in their vehicles. You may have owned a brand new, luxury vehicle or a large SUV or truck. Unfortunately, most insurance companies do not pay for expensive car rentals. In fact, the insurance company will likely set a daily limit on how much it will pay for a rental vehicle for you while your car is in the shop or while you replace your totaled vehicle.
Additionally, the insurance company will often decide on a “reasonable time limit” regarding how long it will pay for your rental. This time limit is generally based on the estimate provided by the car repair shop. If your vehicle was considered a total loss, the insurance company is responsible for paying the fair market value of your car at the time of the crash. This is usually provided as a lump sum and does not necessarily affect your ability to get a rental car paid for by the insurance company.
Why You Need an Attorney on Your Side
Insurance companies are primarily interested in protecting their bottom lines. This means avoiding paying out bodily injury and property damage claims whenever possible. Getting a rental car—and making sure the insurance company pays for it—after an accident can be extremely challenging without the help of a skilled attorney, like Mr. Tijerina.
At Tijerina Legal Group, P.C., Mr. Tijerina and his team are ready to deal with the insurance company so you don’t have to. Whether you need help getting a rental car immediately after a crash or are seeking reimbursement from your own insurance provider for the cost of a rental car, our team is ready to handle all of the details so you can focus on moving forward.
As a highly-skilled, top-rated McAllen car accident attorney, Mr. Tijerina can guide you through the process of getting a rental car after an accident, as well as the process of securing compensation for the cost of that rental car. We are available to answer your questions at any time of day or night and are happy to set up a free, confidential consultation at your earliest convenience.