Most men and women have a basic understanding of what they need to do when they are in an accident. However, when the at-fault driver is operating a rental vehicle, victims of the accident might find they have to take additional steps to get the compensation they deserve. One question that might come up involves who should pay this compensation, and victims may have many others. An attorney is of great help during this difficult time.
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Steps to Take Immediately Following the Accident
When you are hit by a rental truck, immediately call 911. The officer responding to the accident will assess the situation and prepare a report outlining their findings. This report contains information that is crucial when you request compensation for any damages or injuries incurred in the accident. Request the incident number so you can obtain a copy of the officer’s report when it is finished.
The officer will have you exchange contact information with other parties involved in the accident. You also want to get contact information for anyone who witnessed the accident, as they may be needed if the at-fault driver tries to argue their responsibility. Always ask for the driver’s personal AND rental car insurance information. While rental car insurance isn’t mandatory for the most part, many people choose to purchase it. This might be important when you go to seek compensation.
If possible, ask the driver of the truck to see the rental paperwork. You may need to know the rental company’s name, location, and reservation number as the case moves forward. If the driver of the rental vehicle won’t provide this information, you may need an attorney to help you get it.
Collect Evidence of the Accident
While at the scene, take photos of the vehicles involved and the scene. Investigators may use these photos to see if other factors may have played a role in the accident, such as missing street signs or non-operational traffic lights. If possible, make note of any surveillance or doorbell cameras that might have captured the accident.
Contact Your Insurance Company
Let your insurance company know right away about the accident. They must be aware the other driver might try to file a claim. Reporting an accident and filing a claim are two separate actions. A claim might need to be filed at a later time, but reporting the accident should happen right away.
Liability for Rental Vehicle Accidents
Liability when a driver is operating a rental vehicle is no different than liability when it comes to other car accidents. The person responsible for the accident must pay for any damages. Most drivers have insurance to cover these costs. What insurance might come into play at this time?
The driver might have insurance for their personal vehicle and this insurance will also pay for damages if they are operating a rental vehicle. If the driver doesn’t have insurance, the rental company probably sold them liability coverage when the vehicle was rented. Most states require this coverage. Sadly, rental car drivers typically purchase the lowest level of coverage, which could limit the amount victims will receive. However, if the rental vehicle driver has no insurance, you may request compensation from your insurer. The amount of compensation you receive will depend on your policy.
Work with an attorney to resolve the matter. They understand the intricacies of the law and may find other parties that can be named in the suit. Their experience is invaluable at this time, as you need to focus on your recovery. They can handle other matters related to the accident while you do so.