Philadelphia Rental Car Accident Lawyer

Rental car accidents can be stressful, since you are dealing with unfamiliar vehicles, multiple insurance policies, and potential liability.

Liability in Rental Car Accidents

Determining liability in a rental car accident can be complicated. Potentially responsible parties may include:

The Rental Car Driver

If you were a passenger in a rental car and the driver’s negligence caused the vehicle accident, they may be liable.

Another Driver

If another driver caused the accident, their insurance should cover your damages.

The Rental Car Company

If poor maintenance or a defective vehicle contributed to the crash, the rental car company may be responsible.

A Third Party

Government entities or property owners may be liable if poor road conditions or other hazards played a role in the accident.

The Graves Amendment, a federal law enacted in 2005, significantly limits the liability of rental car companies for accidents caused by individuals renting their vehicles. Under this law, rental car companies cannot be held vicariously liable for injuries or damages resulting from a renter’s negligence, as long as the company was not negligent in maintaining or renting out the vehicle.

Common Causes of Rental Car Accidents

Rental car accidents happen for various reasons, including:

• Driver negligence: Speeding, distracted driving, and reckless behavior are leading causes of rental car crashes.
• Unfamiliarity with the vehicle: Many rental car drivers are unfamiliar with the vehicle’s controls and handling, which can lead to mistakes.
• Poor vehicle maintenance: Rental car companies have a duty to maintain their vehicles. Failure to service brakes, tires, and other essential parts can result in accidents.
• Third-party negligence: Accidents can also be caused by another driver’s negligence or hazardous road conditions.

A thorough investigation of the collision must be conducted to determine which parties are liable for your injuries.

Rental Car Insurance and Compensation

Rental car accidents often involve multiple insurance policies, including:

Personal Auto Insurance

Most rental companies offer insurance options at the time of rental, including Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW), which cover vehicle damage but may not include liability coverage.

Rental Car Company Insurance

If you have personal car insurance, it may extend coverage to rental cars, depending on your policy. Contact your insurer to confirm coverage details.

Credit Card Insurance

Some credit cards offer rental car insurance when the rental is paid with the card. This coverage usually acts as secondary insurance, covering costs not paid by your primary insurance.

Third-Party Liability Insurance

If you are at fault for the accident, liability insurance covers damages to other vehicles and property. Some rental companies include minimal liability coverage, but additional protection may be necessary.

How a Rental Car Accident Lawyer Can Help

Dealing with a rental car accident can be complex, especially since multiple insurance policies and liability issues are involved. A skilled Philadelphia rental car accident lawyer can help by:

• Investigating the accident: Gathering evidence, reviewing police reports, and determining fault.
• Handling insurance claims: Negotiating with insurers and ensuring all applicable policies cover your damages.
• Securing compensation: Fighting for medical bills, lost wages, pain and suffering, and property damage.
• Dealing with the rental car company: Protecting you from unfair liability claims or rental contract issues.
• Filing a lawsuit if necessary: Taking legal action if insurers refuse a fair settlement.

Contact a Philadelphia Rental Car Accident Lawyer Today

If you were injured in a rental car accident, call (215) 569-0200 or contact Rosenbaum & Associates online today for a free consultation. Let us handle the legal process while you focus on recovery.