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Best Rental Car Accident Lawyers in Pennsylvania
Rental cars offer a convenient option to explore your surroundings, whether you're on vacation or traveling to nearby destinations. In Pennsylvania, the rental car business is booming; statistics show that the industry will generate revenue worth over $1 billion by 2024. However, the booming business aside, some drivers end up needing the services of Pennsylvania rental car accident lawyers moments after renting a car in this state.
A rental car accident attorney in PA comes in handy if you've been involved in an accident while driving a rental car. When renting a car, the last thing you expect is getting involved in a car accident, but that isn't easy to avoid. Accidents happen when you least expect, sometimes due to human error and others due to unavoidable circumstances.
Whatever the reason, it's always important to understand what to do when you get involved in a car accident when driving a rental car. This is because, unlike non-rental cars, accidents involving rental vehicles can be complex to solve as far as liability and compensation are concerned.
If you've ever been involved in a car accident, you probably already understand how difficult it is to deal with insurance companies. Whether you're the driver at fault or not, someone should be liable for compensating the victims. That's where all the stress begins.
In a car accident involving non-rental cars, the procedure of identifying the party liable for compensation is pretty straightforward when compared to that of a rental car. If you or your loved one has been involved in a rental car accident in PA, read on for more information.
Finding the Best Car Rental Lawyers in Pennsylvania
Given that the rental car business is booming in Pennsylvania, it's no surprise that there are so many attorneys and law firms in the state offering legal representation for drivers involved in rental car accidents. However, this doesn't mean that you should trust every rental car attorney that pops up on your search results.
Instead, you need to consider several factors before opting for a particular PA rental car accident lawyer or law firm. Some of these factors include.
- experience in handling car accident cases;
- available resources to fight for your rights;
- reputation in the car accident industry;
- reviews and testimonials.
If you are looking for a law firm that meets all these requirements and even more, Morgan & Morgan is the personal injury firm to contact.
Speaking of experience, Morgan & Morgan has been providing legal representation for victims of personal injury all over the United States for over 30 years. For this reason, we've earned a reputation of being the largest personal injury law firm in the United States. Over the past three decades, we've helped our clients recover over $10 billion in settlement from personal injury lawsuits, one of the highest in the industry.
The gigantic size of our law firm also means that you can always count on us when you need an attorney who has more than enough resources to represent you when filing a claim to the insurance company or a lawsuit in court. Unfortunately, many victims of car accidents often downplay the importance of hiring a law firm with enough resources but then regret months down the line.
Here's why you need to hire rental car accident lawyers with enough resources to fight for your rights.
Suppose you hire a lawyer who isn't well-equipped to handle your case. In that case, a promising lawsuit can quickly turn into frustrations for both the client and their attorney. This is because insurance companies are usually very stubborn and will employ different tactics to avoid taking responsibility for the accident.
Even when they know they are clearly at fault, insurance companies will try to find ways to flip the responsibility or share it with the victim of the accident. To do this, they'll employ several tactics to frustrate you and your legal team. Remember, it requires a lot of money and other resources to keep up with these tactics.
Given that insurance companies also have their attorneys, they won't mind spending a few hundreds of dollars here and there. It means saving thousands of dollars by avoiding their legal responsibility to compensate you for their damages. On the other hand, if you hire an attorney who lacks enough resources to keep up with different tactics insurance companies employ to avoid responsibility, chances are they'll settle for a lowball offer just to close the case.
The last thing you want is an attorney who settles for a lowball offer because once the settlement agreement form is signed, you can't sue the insurance company over the same case again. This is painful, especially when you discover moments later that you were entitled to higher compensation than what you received.
However, things are very different when working with a well-equipped personal injury attorney from a reputable law firm like Morgan & Morgan. We expect the insurance company to use different tactics to avoid compensating the claimant for what they truly deserve. Therefore, we are usually prepared well in advance.
Our rental car accident attorneys are always ready to fight for your rights in and out of court. And, we don't stop at anything when it comes to fighting for what you're entitled to.
When looking for an attorney or law firm to represent you in a rental car accident claim or lawsuit, you need one with a solid reputation in the industry. As the largest personal injury law firm in the United States, Morgan & Morgan needs no introduction.
Our reputation speaks for itself; we have:
- over 28,000 5-star reviews on Google;
- over 1,200 5-star reviews on SiteJabber;
- recovered over $10 in settlements for our clients;
- recovered over $120 million in car accident lawsuits;
- an army of over 800 lawyers ready to represent you;
- served more than 70,000 clients so far.
How Does Insurance Coverage for a Rental Car Accident in Pennsylvania Work?
One of the reasons you need a rental car accident attorney in PA is because of the complex car insurance laws of the state. A car accident lawyer can help break down these laws and pursue the other party for compensation after the accident.
When you rent a car in this state, you'll have several insurance coverage options to choose from. You can either purchase insurance coverage from the rental car company. This is usually unnecessary, especially if you have a personal auto insurance policy.
However, you should expect the rental car company to try and convince you to purchase their insurance. This is because they usually earn a commission for selling insurance to their clients.
Besides car rental insurance and your auto insurance policy, you might also be entitled to car insurance coverage from your credit card company. For example, this happens if you use a credit card to rent a car.
However, the auto insurance from your credit card company comes into play if you've exhausted other insurance policies (the rental car insurance and your personal auto insurance).
Car rental companies in PA provide the following coverage:
This policy covers you as the driver or any other eligible person if you cause injury or property damage while driving the rental car. But you also need to bear in mind that you may not need this policy if your personal auto insurance policy provides coverage for such accidents.
Loss Damage Waiver
This policy provides coverage if the car rental is stolen or damaged. The coverage can also include:
- repair costs;
- cash value of the car if the car is lost;
- loss sustained by the car rental company since the car is no longer in use (also known as 'loss of use').
Personal Injury Protection
Personal injury protection provides compensation for medical bills and lost wages due to the car accident. If you live in Pennsylvania and have auto insurance, you probably have personal injury protection.
Collision or Comprehensive Coverage
This insurance policy takes care of any damages caused by you or any other eligible party while driving the insured car. If you have personal comprehensive insurance coverage, it may also cover any rental cars driven by you or any other eligible driver.
Pennsylvania drivers are also required by law to carry certain minimum amounts of insurance coverage when driving a motor vehicle within the state. They include:
At least $5000 in 'medical benefits' coverage. This insurance coverage settles your medical bills or any other qualifying individual after a car accident regardless of the party at fault.
You'll also need to have at least $15,000 for bodily liability for every injured person. This coverage applies when you cause the accident.
You should have at least $30,000 total bodily injury liability per accident when you're at fault for the accident. And if there's any property damage involved, you're required to have at least $5000 worth of property damage protection per occurrence.
Is Pennsylvania a No-Fault State for Auto Accidents?
Yes, Pennsylvania is a no-fault state when it comes to car accidents. This explains why you need to have personal injury protection, also known as PIP coverage when you purchase car insurance in this state.
As a no-fault state, each driver's insurance company pays for their own medical and other qualifying expenses, regardless of the party at fault. While this might seem good, especially if you're at fault after an accident, it's never that easy dealing with insurance companies.
Things can get even more complicated when rental car insurance is also involved.
Here's an example.
You pay for a rental car using your credit card and also purchase their car rental insurance. However, you also have your own personal auto insurance.
After renting the car, you get into an accident. In such a situation, where should you file your claim?
This can be very complicated, given that you may be eligible for compensation through your credit card company's auto insurance because you used your credit card to rent the car. You may also be eligible for compensation through your car rental insurance because you purchased their policy.
Lastly, you may be entitled to compensation through your personal auto insurance policy.
But as expected, insurance companies won't easily accept responsibility for the damages. In situations where their insured is clearly at fault, insurance companies may attempt to reduce the settlement amount their insured is entitled to.
This is just an example of the many reasons you might need to contact a rental car accident attorney to help determine the individual or party responsible for your compensation. An experienced attorney will review your claim, listen to your side of the story, and then provide the way forward.
Having a rental car accident attorney by your side means you'll also have enough time to recover as the lawyer fights for your rights in or out of court. One of the many reasons insurance companies reject car accident claims is when there's a gap or delay in submitting the claim. In some cases, the insurance company might deny that the accident occurred if you don't follow certain procedures when reporting it.
Contact Morgan & Morgan Pennsylvania Office
Understandably, it can be overwhelming trying to understand the various car accident laws in Pennsylvania. But that's not something you need to worry about when you have Morgan & Morgan rental car accident lawyers representing you. Call our Pittsburg office today at 877-378-3148 or 215-446-0003 if you live in Philadelphia for a free case evaluation!