MINNEAPOLIS, Minnesota. Vacation is meant to be a time to escape your worries and stress. When you rent a car, the last thing on your mind might be what to do in the event of an accident. In fact, some people purchase rental car insurance specifically to have to avoid thinking about the consequences of an accident. However, not every driver requires rental car insurance. Ordinarily, if you’re a car owner, you will have got a car insurance quote through a comparison site like https://www.insurancequotes.com/auto. If you are traveling, you may wonder what your current driver’s insurance covers and wonder what steps you should take to protect yourself in the event of an accident. You can speak to an insurance company about these queries, especially if you are comparing some to find the best one for you and your car. It is best to read some reviews and testimonials like this gabi insurance review, before you actually invest in anything. And if you are not sure on anything, you must ask not assume. So to put your mind at rest about car driving, insurance and rentals, keep reading. Here are some things to consider:
- If you have auto insurance in Minnesota, you may not need to purchase car insurance for your rental. Rental agents may ask whether you want extra car insurance coverage. However, according to the Star Tribune, drivers with auto insurance in Minnesota should decline this coverage. Drivers with Minnesota auto insurance are covered for $35,000 of damage while renting a vehicle, this amount would go toward the car accident repair shop. Individuals who are involved in an accident will be covered with no deductible under their policy’s property damage claim. Sometimes rental agencies may try to seek damages for loss of use, but in many cases, the insurance company can fight this by asking the car rental company to prove that all cars were rented for the days that the car was damaged, in repair, or being replaced. So, unless you know you’re renting from a location where cars are in incredibly high demand, you should be free of having to pay loss of use fees.
- If you are involved in an accident, make a police report and ensure that everyone involved in the accident is safe. Remember that some injuries are not immediately detectable after a crash. Internal bleeding, traumatic brain injury, and other injuries may not be apparent. No one wants to visit the doctor while on vacation, but it may make sense to do so.
- Don’t mention that you’re driving a rental car. According to Nerd Wallet, sometimes drivers or even the other driver’s insurance companies may try to take advantage if they learn that a driver is in a rental car. You don’t have to let the other driver know.
- Contact your insurance company. Let your insurance company know what happened as soon as possible. The Law Office of Martin T. Montilino are car accident attorneys in Minneapolis, Minnesota who can assist you if your insurance company gives you difficulty with your claim.
If you or a loved one is seriously injured in a car accident involving a rental car, the other driver may be responsible for covering medical expenses, rehabilitation expenses, lost wages, and pain and suffering damages. A personal injury lawyer can review your losses and help you pursue a claim with either a negligent party or with an insurance company. You have rights, regardless of whether your vehicle is a rental car or your own car. Visit our Minneapolis, Minnesota personal injury attorneys at https://www.martinmontilino.com/ to learn more.