James Frazier | | Rental Car Accident
tampa rental car accident attorney

Tampa Rental Car Accident Attorney | Laws & Complexities

When millions of visitors flock to Florida’s cities and beaches every year, Tampa is the epicenter. The rental car industry booms in Tampa and the tourists keep it going. Tampa International Airport is one of the busiest in the state and sees thousands of rental car transactions daily. But with over 400,000 car accidents in Florida every year, you need a Tampa rental car accident attorney when bad things happen. What happens when you get into an accident with a rental car driver?

At Paul | Knopf | Bigger, our Tampa rental car accident attorneys will walk you through the rules of a rental car accident, so you know what to do, how to determine fault and what laws apply to your situation. Have questions? Call (800) 434-4327

Rental Car Accident | Laws & Complexities

Understanding Rental Car Accidents in Florida

Florida is a no-fault state, which means each party in an accident deals with their own insurance company for coverage. But rental car accidents are different, especially when it comes to insurance coverage and fault. Knowing the state laws and your rental agreement is key, that’s why you need a Tampa rental car accident attorney.

Who Covers the Damages if You Were Hit By a Rental Car?

Collision Damage Waiver (CDW)

If you purchased a CDW from the rental company, they may cover the rental car damages if you weren’t reckless or violating the rental agreement. Review the waiver to see what’s excluded or limited in your situation. Note this waiver doesn’t cover medical expenses or third-party property damage.

Personal Auto Insurance

Many personal auto insurance policies cover rental cars. Before you rent, check your coverage limits and deductibles. This is important because relying on inadequate coverage could leave you financially exposed after an accident.

Credit Card Insurance

Some credit cards cover rental cars but only for damage waivers and not liability. Know what your card covers since it may not be enough to cover all expenses from a major accident.

Rental Car Company Insurance

Rental car companies offer additional liability insurance but may not cover big accidents. Knowing the coverage limits can save you from surprise out-of-pocket expenses after an accident.

If you’re not sure what you’re covered, talk to a Tampa rental car accident attorney to find out which policies apply and how to protect yourself after an accident.

After a Rental Car Accident in Tampa

What to Do After a Rental Car Accident in Tampa

Your actions immediately after a rental car accident can make a big difference in your chances of getting compensated. Here’s what to do:

1. Safety First

  • Check for Injuries: Check everyone for injuries. If someone is hurt, call 911. Stay calm and act fast.
  • Move to Safety: If the scene is unsafe, move to a safe location until help arrives. Prioritize safety to avoid further injury.

2. Gather Crucial Evidence

  • Exchange Information: Collect contact, vehicle, and insurance information from all parties involved. Remember to gather witness contact details as well, as this information can be critical for insurance claims and legal actions.
  • Document the Scene: Take clear photos of both vehicles, the crash site, and any visible injuries. Visual documentation is often vital in determining liability.
  • Obtain an Accident Report: Request a copy of the accident report from the responding officer. This official documentation will be essential for insurance claims and potential legal actions.

3. Notify the Rental Car Company

  • Report the Incident: Call the rental company’s emergency number and report the accident. Follow their instructions on the vehicle. Get the name of the customer service rep you speak with so you can’t dispute it later.
  • Follow the Rental Agreement: Make sure you comply with the reporting requirements in your rental agreement. Not following these can result to penalties or issues with your insurance coverage.

4. Contact Your Insurance Provider

  • File a Claim Promptly: Report the accident to your insurance company immediately. Provide a factual account without speculating on fault. Delays could result in claim denials.
  • Consult a Tampa Rental Car Accident Attorney: Before making detailed statements to insurers, consider seeking legal counsel. An attorney can guide you through the process, ensuring your rights are protected and you avoid missteps that could jeopardize your claim.

5. Manage the Rental Vehicle

  • Return the Vehicle: If the car is still operable, return it to the rental company as instructed. If it’s undrivable, arrange for towing through the rental company’s roadside assistance. Proper vehicle management can prevent additional fees and complications.

Determining liability after a rental car accident can be complex. Under the rental agreement, rental car companies are generally not liable for damages if the renter is at fault unless you can prove negligence on the company's part.

Who’s Liable in Tampa, Florida Rental Car Accidents?

Determining liability after a rental car accident can be tricky. Under the rental agreement, rental car companies are not liable for damages if the renter is at fault unless you can prove negligence on their part. Knowing this legal principle is key to figuring out who’s at fault and getting compensated.

How to Prove Rental Car Company Negligence

In some cases, you may have a claim against the rental company. Proving negligence can mean:

  • Improper Vehicle Maintenance: If the rental company didn’t maintain the vehicle and that’s what caused the accident, they’re liable.
  • Negligent Entrustment: If the rental company rented to someone who’s not fit to drive (e.g. someone without a valid driver’s license) they may be liable for the accident.
  • Inadequate Staff Training: If the employee procedure caused the accident, proving the rental company’s negligence is key.

Proving negligence requires investigation and often an experienced Tampa rental car accident attorney.

In some cases, you may have grounds to file a claim against the rental company. Proving negligence could involve demonstrating the following:

Steps You Should Take Before Renting a Car in Tampa, Florida

Taking preventive measures before renting a car in Tampa, Florida, can save you from significant legal and financial complications:

  1. Research Insurance Coverage: Know your personal auto insurance and credit card coverage limits and deductibles. Understanding your coverage options before renting can help you make more informed decisions when you’re behind the wheel.
  2. Consider Extra Coverage: If your existing insurance isn’t sufficient, consider purchasing additional coverage, such as Uninsured Motorist (UM) or Under-Insured Motorist (UIM) protection. These options can provide peace of mind and valuable financial protection in the event of an accident.
  3. Familiarize Yourself with Rental Procedures: Ensure the rental company’s emergency contact numbers and accident reporting forms are on hand. Being prepared allows you to respond quickly and effectively, minimizing stress and complications if an accident occurs.
Paul | Knopf | Bigger - Florida Injury Attorneys

The Role of a Tampa Rental Car Accident Attorney

Dealing with a rental car accident is overwhelming, but a Tampa rental car accident attorney can make all the difference. Here’s how Paul | Knopf | Bigger can help:

  • Legal Knowledge: We explain Florida’s rental car accident laws so you know your rights and options.
  • Insurance Navigation: Our attorneys help you understand your policies and get the most out of your coverage.
  • Evidence Collection: Our team works with experts to reconstruct the accident, get witness statements and gather evidence to build your case.
  • Negotiating with Insurers: We get you the most compensation possible, whether through negotiation or litigation if needed.

Contact Paul | Knopf | Bigger at (800) 434-4327 for a free consultation if you’ve been involved in a rental car accident. A Tampa rental car accident attorney is ready to help you secure the compensation you deserve. Can’t call us, fill out our free consultation form now.

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