Coverage For Damages And Injuries In Rental Car Accident

Anyone that has tried to rent a car has learned about all the different ways that the rented vehicle and its passengers could be insured, through purchase of additional policies.

When does it make sense to buy any of the offered policies?

Situations where it would make sense to buy an agency’s insurance, in addition to a customer’s own policy

The customer’s own policy lacked the type of coverage provided by collision or comprehensive options. In that case, the customer would be wise to pay for the additional coverage.

The customer plans to driver the rented vehicle into a foreign country. In that case, the customer would be foolish to skip on buying the offered insurance. The customer’s own policy might not cover any damage or injuries, if there was an accident in that foreign country, and the rented vehicle was involved in that same accident.

The customer’s own policy requires payment of a deductible, and the customer would like to keep from paying any deductible. If that were the case, then it would make sense to buy the agency’s insurance.

What sort of circumstance might make it unnecessary to consider any of the situations described above?

It is possible that the customer chose to pay for the rented vehicle by using a credit card. In that case, the credit card company could be held responsible for coverage of any damages or injuries.

In fact, the level of responsibility given to the credit card company would be so great, that the card might be viewed as a bargaining chip. A cardholder that had been in an accident might give the rights to any compensation to someone that had expected money from the same cardholder.

A personal injury lawyer in Etobicoke might not agree to arrange for delivery of the promised compensation. Still, a paralegal might be willing to tackle that task. Indeed, a paralegal might even become the recipient of the money that was meant to compensate the cardholder.

Another possible circumstance would be related to the actions taken by any of the rental agency’s staff members. If any of them had failed to carry out an honest transaction, when dealing with a particular customer, then the agency might need to look the other way, in the event that the same customer managed to damage or lose a rented vehicle.

That is not a hypothetical situation. It describes one that actually took place. A staff member claimed that a customer had not paid for a rental, after pocketing the customer’s cash. Discovery of that incident forced the agency to cancel its plans for suing the customer’s relative, the person that had managed to lose an entire vehicle, one from the rental agency.

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