Am I Covered By My Own Auto Insurance in a Rented Car?

Car rental companies make substantial revenue from selling insurance coverage to their customers. But do you really need this added insurance protection along with your existing automotive insurance policy? Continue reading to find out more about car insurance coverage in a rented car, as well as, what your options might be if you are injured in an accident while driving one.

Indiana Car Accident Claims 317-881-2700
Indiana Car Accident Claims 317-881-2700

Car Rental Insurance

When renting a vehicle, you will be faced with the option of adding extra insurance coverage, offered by the rental company in a series of packages and prices. The cost of these supplementary protection plans vary from as little as $15 per day, to as high as $100 or more. It all depends on the plan you choose, the type of car you are renting, and more. Most often, customers opt for more insurance coverage for the sake of abating risk and liability. But is the cost worth it?

Your Automotive Coverage

Your existing automotive insurance policy, and even your bank card services, may already provide you with sufficient coverage in the case of an accident in a rental car. You see, most car insurance policies, including liability, comprehensive, and collision, cover any vehicles driven by the policy holder, whether they own the vehicle or not. In the case that a driver of a rental car is found at-fault for the accident, they will likely be required to pay the deductible, as they would for any other standard accident.

Rental Car Injury Claims

For this reason, and for the sake of avoiding liability, it is vital that you have a full understanding of your automotive insurance policy BEFORE renting a vehicle. Your understanding must include what would happen if you were to be involved in a car accident while driving a rental vehicle, your extent of coverage, and the method of payment. See our blog, “Can I File a Personal Injury Claim After a Rental Car Accident?” to learn more about your rights to compensation in a rental car accident.

Indianapolis Car Accident Attorneys

Indianapolis Personal Injury Lawyers 317-881-2700

If you were injured in a car accident, contact a seasoned car accident attorney who can help you recover the full and fair compensation you deserve for your damages and losses. Call the Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 to learn just how to get started on your car accident claim in Indianapolis, Indiana. Our law firm offers free initial consultations, and never collects lawyer fees unless we recover a settlement for you.

Can I File a Personal Injury Claim After a Rental Car Accident?

If you were recently involved in a car accident while driving a rental car, and you suffered injuries as a result, it is natural for you to have questions about making an injury claim to recover compensation for your medical bills and more. Continue reading for some helpful tips that will get you started in the right direction.

Car Accident Attorneys 317-881-2700

Car Accident Attorneys 317-881-2700


Rental cars are convenient commodities for traveling relatives, businessmen, tourists, and more. However, if a person is involved in a car accident while driving a rental car, there could be some serious legal consequences depending on the type of auto insurance carried and various other factors. If you are ever hurt in a car accident, whether in a rental car or your own, it is vital to get in contact with a licensed car accident lawyer to discuss your rights to compensation and the best course of action for making a claim.

Contract Terms and Conditions

When renting a car, it is important to choose a company that is well known for reputable business and dependable vehicles. Once you choose your car rental company, make it a priority to review their contract terms and conditions closely before signing any documents. Rental car liability differs from state to state, and even sometimes from company to company.

For instance, some states require a driver to have their own auto insurance policies to cover property damage to the rental vehicle in the case that they cause an accident. Other states require drivers to have their own insurance policies that will cover their damages and injuries that result from a rental car accident, regardless of who is at fault.

Check Your Policy

Your policy may or may not protect you if you are injured in a rental car accident. For these reasons and more, it is wise to review your own auto insurance policy coverage before renting a vehicle. This is especially important if you are renting a vehicle that will be operated by another driver. These conditions should be reviewed and understood prior to doing any business with a rental car company too.

If your automotive policy only provides a limited amount of coverage, you always have the option of adding additional liability coverage through your own insurance carrier or through the rental car company. Although optional, it is strongly recommended to always purchase additional insurance coverage when you pick up your rental vehicle.

Common Types of Rental Car Insurance Coverage May Include:

Loss Damage Waiver (Collision Damage Waiver)This pays for the cost of repair for any damages to the car. Generally, the client pays the deductible.

Personal Accident InsuranceThis pays remunerations for personal injuries or wrongful deaths.

Supplemental Liability InsuranceThis pays remunerations for property damages and personal injuries of other victims, aside from the driver and their passengers.

Personal Effects CoverageThis is meant to members a driver for any personal belongings damaged or lost.

Talk to a Rental Car Accident Attorney Right Away

Rental car accidents can result in severe injuries, and in very unfortunate scenarios, death. Whether you were driving a rental car at the time your accident occurred, or you were injured in an accident by a rental car driver, it is important to contact a licensed Indianapolis car accident attorney right away to protect your rights to remuneration. They have experience working with rental car agencies and accident claims, and can recover the full and fair compensation you deserve to get your life back to where it was before your injuries.

Contact The Law Office of Craven, Hoover, and Blazek P.C.

Indianapolis Personal Injury Lawyers 317-881-2700

Indianapolis Personal Injury Lawyers 317-881-2700

Call The Law Office of Craven, Hoover, and Blazek P.C. at 317-881-2700 if you were recently injured in a car accident in Indianapolis, Indiana and its surrounding areas. You can speak with a seasoned Indianapolis car accident lawyer about recovering compensation for your losses and damages. We offer free initial consultations to discuss your claim, and never collect lawyer fees unless we prevail for you!