There are a lot of things to think about in the aftermath of a car accident. You will need to notify your insurance company, see to your medical needs, and potentially discuss your legal options with an attorney. Additionally, you will likely need to find transportation if your car has been damaged or destroyed. While our firm focuses on helping clients with their injury claims, we can also explain how rental-car coverage typically works after a collision.
Fortunately, you may have multiple options for getting a rental car after an accident in Mankato. Insurance policies typically pay for a limited amount of rental coverage. A compassionate car collision attorney can help you review all of your options while your vehicle is in the shop.
If you were involved in an accident in Mankato and need to get a rental car, one of the first places to look for help is your own auto insurance policy. If you carry comprehensive coverage or a full coverage policy, there is a good chance your insurer will cover the cost of a rental vehicle while your car is being repaired or replaced. This coverage is often included as an optional add-on called rental reimbursement or loss of use.
However, it is important to review the limits of your policy. Some plans only reimburse up to a daily or total maximum, and you may be responsible for any costs beyond that amount. Also, coverage usually only applies if the accident itself is a covered event. Speaking with your insurance company right away can help you understand what is available and how to begin the rental process so you are not left without transportation.
If the other driver was at fault for the Mankato auto accident, you may be able to file a claim with their insurance company to cover the cost of a rental car. However, the process may take time, especially if the facts of the wreck are being disputed. The other insurer may delay approving a rental until they agree that their driver was ultimately at fault for the crash.
If an insurance company is paying for your auto rental, you can count on the policy language limiting the amount of time you can keep the vehicle. Most insurance policies will set out what is a reasonable amount of time to pay for a rental. Usually, you are given between 14 and 30 days to get a rental car after a car crash in Mankato. If you keep your car longer than that without approval, you can expect to pay for the difference out of your own pocket.
Getting a rental car after an accident in Mankato is an important step to take, as is finding an attorney who will stand up for your rights. Based in Mankato but serving the surrounding areas, our firm has experience helping those injured in car accidents. Reach out today to learn how we can help.
