Car Rental Accident Insurance Coverage: What Atlanta Residents Need to Know (Part B)

Sheryl L. Burke
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Atlanta Injury Attorney
If you’ll be renting a car during an upcoming trip you may be wondering if you really need to purchase the insurance they offer you when you go to pick up your vehicle. If you do not have your own personal car insurance or just have Georgia's required minimums it may be a good idea to opt for the car rental accident insurance coverage.
 
What does the rental car company’s insurance include?

If you do not have your own personal car insurance coverage or believe that it may not be enough to cover you in the event of a rental car accident, you may choose to buy coverage from the rental car company. If a rental car is stolen, crashed or vandalized you will be covered by a combination of insurance options offered by the rental car company.

Loss Damage Waivers (LDW) and Collision Damage Waivers (CDW) from the rental car company act as collision and comprehensive insurance coverage while the car is in your possession.  In addition to the waivers the rental car company may also offer you additional liability insurance supplements that you can use in conjunction with your own car insurance (if you have it).

Accidental death and personal property insurance can also be good options to add on to cover you in the event you are critically injured or your personal property is damaged or stolen in an accident.
 
It’s important to note that if you are found to be at fault for an accident for one of the following reasons the coverage you purchased may be void:
 
  • speeding;
  • alcohol use; and
  • other negligent behavior.

Purchasing car rental accident insurance coverage could increase the price significantly but it may be worth it if you are in a serious accident.  

You could be responsible for medical bills and property damage if you don’t have extensive coverage. If you are experiencing issues and problems with your insurance company after an accident, contact an attorney today who may be able to help.
 
Contacting an Atlanta Car Rental Accident Lawyer

If you are the victim of someone else’s negligence or carelessness, whether in a car rental accident or some other type of accident, you have certain rights guaranteed by law. To help you understand these rights and seek the compensation you may be eligible for to help get your life back in order, contact the Atlanta Law Offices of Sheryl L. Burke for a no-cost consultation on your injury case – 404-842-7838.