Why Is Rental Coverage Important After An Accident?

In Louisiana, having rental coverage is not a requirement for auto insurance. However, it can be very important in the event of an accident and we encourage you to have it.

Doesn’t the Other Driver’s Insurance Cover My Rental?:

If the other person caused the accident, shouldn’t their insurance cover your rental?  Technically, yes, but relying on the at-fault driver’s insurance to get you a rental vehicle may take a while (a week or more sometimes).  That’s because the at-fault insurance company has “built-in” ways of delaying your rental request. Here are a few examples:

  • We are waiting on the police report in order to establish and accept liability.
  • We haven’t been able to talk with their insured about the wreck.
  • We need your insurance information in order to confirm “no pay no play.”
  • We are waiting on our adjuster to see your car to confirm that it isn’t drivable.

In a nutshell, even though the at-fault driver’s insurance is technically responsible for a rental, you may be waiting a while for the reservation!

Have You Been Injured In An Accident And Have Questions About The Ins And Outs Of Insurance After A Car Wreck?

If you have been injured and have questions about the ins and outs of insurance after a car wreck, contact us online or call our Covington office directly at 985.590.6182 to schedule your free consultation today. Flattmann Law serves clients on the Northshore, including Covington, Mandeville, Abita Springs, Bogalusa, Franklinton, Folsom, Madisonville, Goodbee, Hammond, Lacombe, Pearl River, and Slidell.