When the driver of a rental car causes a collision, the liability aspects may suddenly be more complicated than if this person had been driving their own vehicle. An injured person may be left trying to verify which insurance company is responsible for paying compensation. Eventually, hiring a car accident lawyer in Sheboygan, WI may be necessary.
Three Insurance Companies
Getting into an accident with the driver of a rental car can potentially lead to three insurance companies, all refusing they are liable. The first is the at-fault driver’s automotive insurance, as the adjusters may insist that they do not cover accidents that occur during this activity. They say the customer was supposed to buy insurance from the rental car company. If that did not happen, the rental car insurance agency would not accept liability as no coverage was purchased.
The Card Provider
Another possibility is the provider of the credit card or debit card that the driver used to pay for the rental. Many of these financial institutions provide rental car coverage as a benefit of their card services. The problem here would be the injured person trying to negotiate with a company that they have no connection with. Hiring a car accident lawyer in Sheboygan, WI is a better solution for dealing with these major corporations.
Underinsured and Uninsured Coverage
If there appears to have been no liability coverage in effect for the rental car driver, the injured person’s automotive insurer may be willing to pay the compensation. This could qualify in the policy feature known as uninsured and underinsured motorist coverage. This insurance is required with automotive policies in Wisconsin, but the maximum the policyholder chose may be much lower than what this person now needs for expenses.
Far Too Complex
It becomes clear why this situation can be far too complex for an individual to manage without professional legal help. Especially when this person is recovering from serious injury, trying to obtain compensation from these corporations can be exhausting and overwhelming. Contacting a law firm like Roth & Basler is the first step toward solving this problem. Click here for contact details.