Do You Really Need Rental Car Insurance? Here’s What You Should Know Before Vacation Travel
Attorney Tyson Mutrux describes in this video Rental Car Insurance and Personal Injury Cases.
Hi, Tyson Mutrux with the Mutrux Law Firm. It is vacation season, so what I want to do today is talk about rental car insurance and what happens if you’re in an auto accident. Now, if you’re in an auto accident and the other person is at fault and they have insurance, then their insurance should cover the injuries that you have, or any damage to your vehicle.
Now, if you have personal insurance on your own vehicles you likely don’t even need rental insurance, so take that into consideration. Call your insurance agent, ask the before you go get a rental car and pay that additional fee.
If you don’t need to pay for it, then don’t worry about it. If you don’t have insurance on your own car then make sure you do get the rental car coverage because that’s going to cover you if you’re involved in an auto accident.
Legal help for rental car accident in Missouri
If you are involved in a rental car accident in Missouri, obtaining legal help is crucial to navigate the complexities of liability, insurance, and compensation. Here are key steps and resources:
Steps to Take After a Rental Car Accident in Missouri
-
Ensure Safety: Prioritize safety by checking for injuries and moving to a safe location.
-
Contact Authorities: Call the police to file an accident report, which will be critical for insurance and legal claims.
-
Exchange Information: Share contact details, driver’s license, insurance information, and rental agreement details with all parties involved.
-
Document the Scene: Take photos of the accident site, vehicle damage, injuries, and any other relevant evidence.
-
Seek Medical Attention: Even if injuries seem minor, visit a doctor for evaluation to document potential medical claims.
-
Avoid Admitting Fault: Do not make statements that could be interpreted as accepting liability.
-
Contact a Lawyer: Consult with a Missouri car accident attorney to protect your rights and explore compensation options.
Liability in Rental Car Accidents
Liability in rental car accidents can involve multiple parties:
-
The Driver: If you caused the accident, your personal auto insurance or credit card coverage may apply. Without additional coverage from the rental company (e.g., Collision Damage Waiver), you may face out-of-pocket expenses.
-
Other Drivers: Missouri follows an at-fault system, meaning the driver responsible for the accident is liable for damages.
-
Rental Car Company: The company could be held liable if negligence in vehicle maintenance or rental procedures contributed to the accident.
-
Vehicle Manufacturer or Maintenance Providers: Liability may extend to these entities if defective parts or improper servicing caused the crash.
Insurance Coverage
Missouri law does not mandate additional rental car insurance if your personal auto policy includes comprehensive and collision coverage. However:
-
Rental companies often offer waivers like Collision Damage Waiver (CDW) for added protection.
-
Many credit cards provide rental car insurance if used for payment.
-
Uninsured motorist coverage can help if the at-fault driver lacks sufficient insurance.
Compensation Options
Victims of rental car accidents may recover compensation for:
-
Medical expenses (current and future)
-
Lost wages or diminished earning capacity
-
Property damage
-
Pain and suffering
-
Disability accommodations
Statute of Limitations
In Missouri, you have five years from the date of the accident to file a claim. Acting promptly ensures evidence preservation and strengthens your case.
Why Choose Tyson Mutrux to Handle Your Car Accident Claim?
When you’re dealing with the aftermath of a car accident, you need more than just legal knowledge—you need someone who truly understands the stakes. Tyson Mutrux brings years of experience handling serious injury cases across Missouri, with a proven track record of securing fair settlements for victims. Recognized by The National Trial Lawyers and rated “Superb” by Avvo, Tyson is deeply committed to every client he represents. He doesn’t just fight for compensation—he advocates for your peace of mind. From major cities to small municipalities, Tyson Mutrux and his team provide responsive, personalized service tailored to your case.
Serving Every Corner: Car Accident Help Across Missouri’s Municipality Cities
At Mutrux Firm Injury Lawyers, we’re proud to represent clients throughout Missouri’s municipality cities—not just the major hubs. Whether you were hit in a quiet residential neighborhood or at a busy intersection in a smaller city or town, our team is equipped to handle your case. We know that serious car accidents don’t just happen in big cities, and every victim deserves experienced legal support, no matter where they live. That’s why we actively serve clients across counties and municipalities—bringing personalized legal help to your doorstep when you need it most.
So, if you have any other questions about that give us a call at (888) 550-4026 or check us out at www.mutruxlaw.com. Thanks a lot and have a great day.