Understanding Rental Care Coverage: What to Know After a Tennessee Auto Accident 🤔
Courtney Cotter
An auto accident can be a daunting experience, especially if the accident involves a rental vehicle. If you have been injured in a car wreck in Tennessee while driving a rental vehicle, you might be wondering if your injuries will be covered by an insurance policy. Unlike some states, Tennessee does not offer Personal Injury Protection (PIP) coverage, which can add another layer of complexity to the situation. Here, we will delve into the intricacies of rental car coverage after an accident in Tennessee, ensuring you are equipped with the knowledge to navigate this challenging scenario.
Navigating Rental Vehicle Coverage in Tennessee
In Tennessee, your personal auto insurance policy may cover you while driving a rental vehicle, it is crucial to check the specifics of your policy. While you will not have PIP coverage to rely on, your liability coverage could extend to injuries sustained in an accident, assuming you were driving within the terms or your rental agreement.
Supplemental Insurance Options
Consider purchasing supplemental insurance offered by the rental car company. While this may come at an additional cost, it cam provide peace of mind knowing you have extra coverage in case of an accident. Make sure to review the terms and conditions carefully to understand what is covered and any limitations.
Credit Card Benefits
Certain credit cards offer rental car insurance as a perk for cardholders. If you used a credit care to rent the vehicle, make sure to check if your credit card includes coverage for collision damage and personal injury protection. It is important to review the insurance benefit details of your credit card to ensure it meets your needs.
Steps to Take After an Accident
If you have been injured in an auto accident while driving a rental car in Tennessee, there are crucial setpes to take to protect your rights and ensure you receive the compensation you deserve:
Seek Medical Attention: Your health and well-being should be your top priority. It is important to seek medical attention for any and all injuries sustained in a motor vehicle accident, even if they seem minor at the time of the accident.
Document the Accident: Collect evidence at the scene, including photos of the vehicles involved, contact information for witnesses, and a copy of the police report.
Notify Your Insurance Company: Inform your auto insurance company provider of the accident as soon as possible. Make sure to provide your insurance company with all relevant details, including the fact that you were driving a rental car.
Consult with an Attorney: Consider consulting with a knowledgeable personal injury attorney who can help you navigate the legal process and advocate for your rights.
Recovering Compensation
If you have been injured in a Tennessee auto accident while driving a rental car, you may be entitled to compensation for:
Medical expenses
Lost wages
Pain and Suffering
Property Damage
Recovery may be sought from the at-fault party’s auto insurance company, or through supplemental coverage purchased from the rental company.
Navigating rental car coverage after an auto accident in Tennessee can be complex, especially without the safety net of PIP coverage. However, by understanding your insurance options, taking proactive steps after an accident, and seeking legal guidance when needed, you can protect your rights and pursue the compensation you deserve.
If you have been injured in a Tennessee auto accident, do not hesitate to reach out to Cotter Law for expert legal representation. We are here to help you in every step of the way!
Hiring an attorney can ensure you receive the full and fair compensation you deserve. At Cotter Law it is our priority to take on the fight with the insurance company while you focus on recovering from your auto accident. Fill out the form below or call Cotter Law today to schedule your FREE consultation at (865) 888-7155 to speak with an experienced attorney.