The holiday season in Miami, FL means two things: tourists and snow birds. Tourists and snow birds flock to Miami, Ft. Lauderdale and all over South Florida for our warm weather, nightlife and other attractions. An influx of people unfamiliar with South Florida roads, often driving a rental car that they are not used to driving is a recipe for car accidents. Car crashes are always scary and unsettling experiences. And if you crash in or with a rental car, the stress and hassles may continue well after the actual event.
Many rental car companies don’t tell you (except in the fine print) that you have to actually purchase their insurance package in order to be fully covered. Without purchasing their insurance, you have to use your own policy, which may not have rental car coverage. This can lead to unique complications in some cases. This Florida Bar auto insurance pamphlet actually discusses rental car insurance among other types of auto insurance.
If You Get Hit
What if you are a tourist and get hit while in driving in your rental car?
If you are not from Florida, you will want representation by a personal-injury lawyer licensed in Florida. Our office will investigate all available insurance policies (every state has different requirements). We will find out how much insurance coverage is available under the policy of the person who caused the accident, what you might have available under your own personal car insurance policy and whether or not you purchased additional coverage from the rental-car company. If you are in South Florida for a long period of time, we can assist you in finding doctors to treat with. If you are shortly returning home, you can certainly treat there. Our office can represent you from Florida while you recover in another state.
What if you’re hit by a tourist in a rental car?
While Floridians are required to have insurance, out-of-towners might not have insurance that covers them in the event of a rental car crash, which means you would be limited to the $10,000 in coverage rental-car companies must have by law.
Unfortunately, most of the time, this just isn’t enough to cover medical expenses, lost wages, and pain and suffering. You will, hopefully, have under-insured motorists coverage.
Getting What You Need
To make sure you get what you need, call a Miami car accident attorney. This is the only way to ensure that both the insurance companies and the rental car company pay the appropriate damages.
When you first get hit, file a claim and seek medical care. But then call an attorney who can investigate the matter alongside the insurance and rental car companies in order to properly evaluate the damages that require restitution.
In the end, if you’re hit by or in a rental car, you should not be liable to pay for anything – you didn’t do anything wrong.
If you hire a Miami auto accident lawyer who successfully pursues a claim on your behalf, you can use the compensation you receive to cover the cost of your recovery. This money will either come from the insurance company of the person who hit you, or the rental car’s insurance company if the rental car’s driver purchased insurance from the rental car company.
Insurance companies, by nature, do not want to pay out more than they have to. Getting an attorney involved makes it much easier to get the money you deserve without stressing or jumping through their hoops. If the insurance or rental car companies do not want to compensate you properly even after negotiating with you and your attorney, a trip to court may be necessary.
If you are in a crash involving a rental car, call a Miami car accident attorney at Neufeld, Kleinberg & Pinkiert as soon as possible. We’ll help you to fight for the compensation that you deserve.