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One of the headaches after a car accident is getting another car just to move around. You have just been involved in a car accident that wasn't your fault, but now you are without a car. You now do not have the ability to go to work, get your physical therapy, see your treating physicians, and more. A personal injury attorney may be able to help you get through some of the red tape and get you a rental car to help you move around.
Under Your Policy - The surest way to ensure that you can get a rental car is make it a part of your policy. Yes that may mean a few extra bucks every month for your premium, but you can't count on the fact that the at fault driver had this provision in their policy. Make it a part of your policy so you can have it available in your time of need.
Under the At Fault Driver's Policy - If you don't have rental car coverage under your policy and the at fault driver has rental car insurance, you are at the mercy of the insurance company. The at fault insurance company has the right to conduct a fair and reasonable investigation to determine who was at fault for the accident. This means requesting a statement, getting the police report, speaking with their insured, reviewing photographs, etc. Unfortunately, this means that they can take some time making their evaluation. In addition, they can also make the determination after their investigation that their insured was not at fault. They could also deny coverage to their insured after determining that their insured lied on their insurance application - THIS HAPPENS ALL THE TIME.
Against what is popular belief, the Insurance company does not HAVE to provide you a rental, they can also do the following:
1. The insurance company car can simply give you a rental car so you do not have any out of pocket expenses.
2. They can make you you pay the rental car fee upfront, keep the receipt and wait to be reimbursed. Unfortunately, this may be difficult if the rental car fee is to much and day after day this can add up.
3. Pay your what it would have cost to rent a car in your area for "x" amount of days.
4. Not provide you any benefits, therefore your rental of car becomes part of your damages.
Insurance companies and adjuster hope that you are unable to read your policy, provisions and benefits. They also drag the evaluation process stating that they just need this document and that document. A personal injury attorney like Olga Porven, P.A. knows the insurance strategies and how to get around them to help you obtain a rental car, if it is available to you. If it is not available to you, Olga Porven, P.A. will find out quickly in order to inform you to make plans accordingly.
Olga Porven, Esq. is an experience attorney in Miami and Broward County. She is a former insurance defense attorney and understands how insurance companies think and function. If you or a loved one have been injured in motor vehicle accident in Miami or Broward County, call Olga Porven, P.A. for a free consultation.