When an Accident Occurs in a Rental Car
Renting a car is often a convenient solution for travel or temporary transportation needs. But accidents happen, and when they involve a rental car, things can quickly become complicated. From determining liability to handling insurance claims, rental car accidents can be overwhelming to tackle alone. That's why Whit A. Thomas, Attorney at Law, is here to help.
Located in Alabama, we proudly serve Baldwin County, Escambia County, Mobile County, and Monroe County, we have represented Alabama residents since 1980, bringing years of knowledge and dedication to each case.
If you have been in a rental car accident, we can protect your rights, make sure you're treated fairly, and strive to get you compensation for your damages.
Whether the accident left you dealing with injuries, conflicting insurance policies, or rental company claims, we’re ready to help. We aim to help you understand your rights and responsibilities when you experience an accident in a rental car.
What to Do After a Rental Car Accident
Being involved in a car accident can be traumatic, but quick and decisive action can save you from additional headaches down the road. The key steps to follow after a rental car accident in Alabama include the following:
1. Ensure Everyone’s Safety and Call for Help
Check if anyone in your vehicle—or the other vehicle(s)—is injured. If there are injuries, call 911 right away to request medical assistance. Also alert the police so they can document the accident with an official report.
2. Gather Information
Exchange important details with the other driver(s) involved. This includes:
Their name and contact information
Their insurance provider and policy number
The make and model of their vehicle and license plate number
Also, collect the contact information for any witnesses present at the scene.
3. Notify the Rental Car Company
Every rental car company requires immediate notification when one of their vehicles is involved in an accident. Look for the company’s contact number in your rental agreement or inside the glovebox. Be prepared to provide details about the accident when you call.
4. Document the Scene
Take photos of the vehicles, damage, license plates, and the surrounding area. If safe to do so, include skid marks, traffic signs, or unfavorable weather conditions to provide greater context for how the accident occurred.
5. Talk to a Lawyer
Accidents with rental cars can involve multiple disputes, ranging from insurance coverage limits to damage claims from the rental company. An experienced attorney can protect your best interests and help you avoid unfair blame for the incident.
Alabama Laws Affecting Rental Car Accidents
When a car accident occurs within Alabama, state laws will come into play to help determine liability and settlement amounts.
Comparative Negligence for Liability
Alabama follows a "contributory negligence" rule, which is one of the strictest laws in the country. If you were even 1% at fault for the accident, you may not be able to recover compensation from the other party. This makes it absolutely essential to gather strong evidence to demonstrate the other driver’s liability.
Insurance Considerations
Alabama requires all drivers to carry minimum liability insurance of $25,000 for personal injury per person, $50,000 per accident, and $25,000 for property damage. However, accidents involving rental cars often involve three kinds of insurance policies:
Your personal auto insurance
The rental company’s coverage (if you purchased it)
Credit card insurance coverage (if applicable)
Determining which policy applies—and how much coverage is available—can quickly become overwhelming without legal guidance.
Timelines for Filing Claims
Alabama law has a two-year statute of limitations for filing personal injury claims. After two years from the date of the accident, your ability to seek damages or compensation becomes limited. Acting quickly and securing legal representation early is key to a successful outcome.
Rental Car Companies and Their Insurance Policies
Rental car companies typically offer a range of insurance coverage options when you pick up your rental car. Understanding these policies can help you make better-informed decisions after an accident.
Loss Damage Waiver (LDW): Sometimes called a collision damage waiver, this policy covers damage to the rental vehicle, but not third-party vehicles or personal injuries. If you purchased an LDW and the accident was not the result of reckless or illegal behavior, you may avoid paying for damages.
Supplemental Liability Insurance (SLI): This policy extends additional liability coverage beyond your personal auto insurance, typically providing coverage for damages or injuries incurred by third parties in an accident.
Personal Accident Insurance (PAI): This policy offers limited coverage for medical bills and accident-related injuries for you and your passengers.
If you weren’t sure what coverage you opted for—or the fine print surrounding exclusions—a lawyer can help clarify the rental company’s expectations and your rights.
Car Accidents Attorney Serving Baldwin County, Alabama
Since 1980, Whit A. Thomas has represented Alabama residents in wrongful death and personal injury cases. With decades of experience, our practice strives to help you recover the funds you’re owed after a devastating accident.
We work with clients across Baldwin County and the surrounding areas. Your first consultation is free, so reach out today to take a meaningful step toward reclaiming the security you deserve after such a challenging time.