As a legal driver in Michigan, your no-fault insurance policy covers you for medical costs and other benefits, even if you were partially responsible for the crash. If you get a rental car, however, will you receive the same level of protection? Do your personal injury protection (PIP) benefits still apply if you are injured? Should you purchase supplemental insurance if you rent a car?
Understanding what protection your no-fault insurance policy provides when using a rental can be very confusing. Jay Trucks explains more about rentals and car insurance in Michigan, including how your no-fault benefits coverage may or may not apply in a car crash.
If you have been injured in a rental car due to another’s reckless or negligent behavior, you may be eligible to seek compensation for your injuries and other losses. Our auto accident lawyers in Grand Rapids are available to discuss your potential legal options after a rental car crash in a free consultation.
In Michigan, your no-fault insurance provides coverage for medical benefits anytime you are injured in a motor vehicle, including:
If you have a crash, your PIP Insurance also still provides:
Purchasing supplemental auto insurance for a car rental – even if you have some coverage under your own policy or a credit card – may be a good idea for the following reasons:
In some cases, your credit card may provide rental car insurance, but that coverage may also be limited. It is best to contact your credit card company and insurance provider to get the specifics about what coverage may or not be available in advance.
Research to make sure you have a solid understanding of what coverage your auto insurance does and does not provide for a rental car. Find out how your insurance will apply, not only for you and your passengers in this situation, but also what coverage applies to other parties if you cause an accident. Get information about any additional coverage your credit card may apply and if it is in addition to, or instead of, your current auto insurance policy. This information will give you the best idea of what supplemental car insurance you may or may not need.
Your insurance providers may sound friendly when you speak with them, but to stay in business, their priority is to their bottom line. To accomplish this, your provider must work hard to pay as little as possible out on a policy. What this means when you rent a vehicle is that your insurance company will not easily pay out money for a claim if you have a crash in that rental.
Insurers will look for exclusions and other reasons to devalue or deny your rental car crash claim. So when it comes to understanding the terms of your policy, and what is or is not covered, you must be proactive. While your provider may not lie when you ask specific questions about your coverage, he or she is also not likely to volunteer information that is included in the small print of your policy.
If you are injured in a rental car because of another driver’s negligent actions, we are prepared to help. Our firm has been representing injured victims for decades, recovering millions in compensation for our clients.
At Jay Trucks, we have a team of legal professionals who are experienced and ready to fight for maximum recovery and to protect your best interests. There is no risk to you as the initial case review is completely free. If you choose to move forward and we represent you, there is nothing to pay up front to hire our services or while we work on your case. We only get paid if we recover compensation for you.
Free Case Reviews. Call 24/7. (800) 762-8623