Navigating the aftermath of a car accident can be overwhelming, especially when rental vehicles are involved. As you try to deal with the physical and emotional toll of the accident, understanding how Texas car insurance works in rental car accidents is also necessary.
This specific issue was recently brought to the forefront of the news across the nation when Rashee Rice, wide receiver for the Super Bowl Champions, the Kansas City Chiefs, was linked to a six-car accident. One of the vehicles involved was a rental vehicle in Rice’s name.
Understanding the role of insurance and how you can recover compensation will help you know your rights. At Patterson Law Group, our Fort Worth car accident attorneys can help you better understand how Texas insurance laws will impact your case. We will also work to help you recover the compensation you deserve.
Understanding Texas Car Insurance Laws
Texas operates under a traditional fault-based system for car insurance. This means that the driver found at fault for the accident is responsible for covering the damages.
As per the Texas Department of Insurance, drivers must carry liability insurance with minimum coverage limits of $30,000 for each injured person, up to $60,000 per accident for bodily injury, and $25,000 for property damage.
Determining liability in rental car accidents can be complex, especially if multiple parties are involved. Whether you’re a resident of Fort Worth or a visitor, understanding these laws is paramount to protecting your rights.
Rental Car Insurance Coverage
When renting a car in Texas, the rental company typically offers various insurance options. These may include:
Collision Damage Waiver (CDW): This coverage relieves you of financial responsibility if the rental car is damaged or stolen. However, it often comes with exclusions and limitations.
- Supplemental Liability Insurance (SLI): SLI provides additional liability coverage beyond what your car insurance policy offers.
- Personal Accident Insurance (PAI): PAI covers medical expenses for you and your passengers in the event of an accident.
- Personal Effects Coverage: This insurance reimburses you for the loss or damage of personal belongings inside the rental vehicle.
It’s essential to carefully review your existing car insurance policy and understand its coverage for rental car accidents. Consulting with a knowledgeable car accident attorney in Fort Worth can help clarify any ambiguities and protect you adequately.
Texas Car Insurance and Uninsured/Underinsured Motorist Coverage
Despite legal requirements, not all drivers carry insurance. In Texas, the Insurance Research Council estimates that approximately 14% of drivers are uninsured. To safeguard against uninsured or underinsured motorists, consider adding uninsured/underinsured motorist (UM/UIM) coverage to your car insurance policy.
This coverage can help cover medical expenses and property damage if you’re involved in an accident with an uninsured or underinsured driver.
Seeking Legal Assistance
If you’ve been involved in a rental car accident in Fort Worth or anywhere in Texas, it’s advisable to seek legal assistance from a reputable car accident attorney. The Patterson Law Group, comprised of experienced Fort Worth car accident lawyers, can provide invaluable support and guidance throughout the claims process.
Our team understands the intricacies of Texas car insurance laws and has a proven track record of securing favorable outcomes for our clients. From negotiating with insurance companies to representing you in court, we’re committed to advocating for your rights and maximizing your compensation.
Let Us Help with Your Car Accident Claim
Navigating the aftermath of a rental car accident in Texas can be overwhelming, but with a clear understanding of Texas car insurance laws and the support of a trusted car accident attorney in Fort Worth, you can confidently navigate the process.
We are here to help with this legal process. Contact us today to learn more.
