
When people are involved in auto accidents, especially when it wasn’t their fault, they are primarily concerned with their health – as they should be. But sometimes, right behind that concern (sometimes ahead of it!) is what the heck they’re supposed to do for transportation in the meantime. The assumption is that the at-fault insurance company will always pay for and arrange their rental car.
“Don’t they have to give me a rental car?”
Well, when you ask the question that way, the answer is – surprisingly – “No.”
Here’s the skinny. The at-fault carrier is on the hook for what their insured caused their victim to sustain in terms of foreseeable damages. In our society, the cost of transportation is a foreseeable damage for certain, so yes, they are technically on the hook for that.
But no where in the law does it state that they have to go out and arrange a rental car for you and pay for it up front! No where!
So, what you could be stuck with is having to go and get a rental car on your own, sucking up the costs, and then asking for them to pay you back later. They will probably be on the hook for that, so you will likely get your money back. Remember, you do have a duty to mitigate your damages, meaning you can’t make your damages greater when it’s not necessary, so no Lambos, OK!?
The reality, though, is that most insurance companies anticipate paying you something for rental costs, and because of their better bargaining power from their volume of rentals, they can get a better rate and save themselves a few bucks. So, despite them not really having to, they often will pay for an arrange your rental up front. That’s not because they’re nice, it’s in their self-interests.
But the real issue is your health! Take care of that and make sure you don’t neglect your bodily injury claim while you’re worrying about your car. Call me for help! 919-929-2992.