skip to Main Content

Steps to Get Car Rental Reimbursement After Accident

Guide for Car Rental Reimbursement After Accident

The injury attorneys at Phoenix Accident and Injury Law Firm near you have significant experience in helping clients who need help getting car rental reimbursement after accident.  Our offices are conveniently located in nearby ChandlerPeoria, and North Phoenix, and we can meet in person at our nearby offices, over the phone, or via video call.  You can contact us for a free consultation, or read on to find out more.

By the way, we will also help with other problems that have cost you sleep, like getting a rental car soon and finding a nearby doctor to help you. Even the best legal team isn’t good enough if your quality of life isn’t sustainable while justice and compensation are on the way. The whole point of legal action is to regain quality of life, so we help you long-term as attorneys and short-term as your go-to people. Our familiarity with the local Phoenix courts makes us confident that we can help you get the best settlement possible.

After an auto accident in Arizona, you want to get your life back to normal as quickly as possible. Other than getting treated for injuries, there are two things you want to do as soon as possible:

  1. Get a rental car
  2. Get your vehicle repaired

To get car rental reimbursement after accident, either you or the at-fault driver must have rental car coverage. You must also carry collision coverage to get your vehicle repaired by your carrier.

You may speak to an insurance adjuster or even your own insurance company regarding getting car rental reimbursement after accident. It is crucial to understand your rights and options when dealing with insurance companies. You also want to ensure your vehicle is repaired or replaced for a fair price.

Here are the steps to take to get your vehicle repaired, and in the meantime, get car rental reimbursement after accident so you can get around and carry on with your life as usual.

Step 1: Check Your Insurance Policy for Rental and Collision Coverage

Many folks, possibly including you, are hesitant to use their insurance coverage. It seems wrong and unfair. If someone else caused you harm, why should your insurance company pay for this?

Benefits of Using Your Coverage

There are three reasons why you should use your coverage:

First, you have been paying for coverage for this exact reason. Now is your chance to use it.

Second, you are not paying out of your pocket. Using this coverage costs you nothing.

Third, and possibly the best reason: There are no hoops to jump through to use your coverage, unlike the other party’s policy.

How to Use Your Insurance to Repair Your Car

Check the back of your wallet-sized insurance coverage policy and see if you carry both rental coverage and collision coverage.

If you use your auto insurance provider to fix your car, the repairs are often completed much more quickly. Your provider is legally obligated to provide coverage. You will probably have to pay your deductible, but you can always get reimbursed for it through the third-party insurer later.

If your policy doesn’t denote what coverages are available, contact your agent directly and ask.

If you do have collision coverage, you may proceed with your claim.

Let them know the details of the accident and book a rental car. Choose which auto body shop to send your vehicle to for evaluation.

Your carrier usually has a property adjuster who can come directly to you. Use that service when you can.

If you do not carry either rental coverage and/or collision coverage, read the next section.

Step 2: What to Do If You Have No Rental Car Coverage

The first thing to do is call the other driver’s insurance company and find out if they carry any coverage.

However, you will need to discuss the claim with them before they provide you with information about car rental reimbursement after accident. Ideally, their driver has already admitted fault. If not, then they will need to wait for the police report to confirm their driver is at fault.

They will also try to determine whether you contributed to the accident, or could have been driving differently, in an attempt to hold you partially at fault for the accident. Keep that in mind when discussing the claim with the at-fault driver’s adjuster.

Here are some tips:

Speaking to a Third-party Insurance Adjuster

An insurance adjuster is an employee of the insurance company who determines who is at fault and pays the claim.  Typically, a third-party adjuster will ask you to give a recorded statement. This is the adjuster’s first chance to get your version of what happened. Since it is being recorded, you will be stuck with whatever you say, even if it doesn’t come out quite right.

Important tip: Consult an auto accident attorney before you give a recorded statement to the third-party adjuster.

If you decide to give a recorded statement without the help of an attorney (not recommended), keep several things in mind:

  • First, the third-party adjuster is not your friend.
  • Second, he or she is not legally obligated to act fairly.
  • Third, the third-party adjuster’s only job is to save the insurance company money by paying you as little as possible.

Be careful with any admissions and agree to any facts that you are not aware of.

Getting Reimbursed for Loss of Use of Your Vehicle

Assuming the other driver is completely at fault for the accident, keep in mind you have the right to have your car repaired wherever you choose.

If the at-fault driver does not carry rental coverage, you are entitled to get paid a certain amount each day you are unable to drive your car.

Additional Compensation for Your Car

In addition, the at-fault driver, or his insurer, also has to compensate you for:

  • The cost of a rental car for you to drive while your car is being repaired or replaced.
  • The cost of towing your car away from the accident scene.
  • The cost of storing your car until it can be repaired or disposed of.
  • Damage to personal property in or on your vehicle, such as a bike on the bike rack.
  • The value your car lost because of the accident.

What Is a “Totaled” Vehicle?

If the cost to fix your car exceeds a certain percentage of its pre-accident value, the insurance company will total your vehicle. As a rule of thumb, that percentage cut-off is typically 70% of the value of the vehicle.

If your car was totaled, the insurance company must pay you the cash value of your vehicle. They usually will mail you a check.

The overall condition and mileage of your vehicle will affect its value. Similarly, any recent work done to the vehicle, or money put into it, will raise its value.

There is usually some negotiation in this process, so it is crucial to find evidence to support your car rental reimbursement after accident claim of value. The Kelley Blue Book value is not enough. You need to find comparable vehicles for sale. eBay Motors is also a good place to find similar vehicles and what they are selling for.

In What Scenarios Do You Need an Attorney?

The majority of car rental reimbursement after accident claims are resolved without the help of an attorney. You only need an attorney if:

  • Things are not going smoothly in your property damage claim.
  • You were injured in the accident.
  • The insurance adjuster for the other party wants a recorded statement from you.
  • The auto insurer offers you a lowball amount for your totaled vehicle.

If you are having difficulty with the insurance adjuster handling your claim, it is advisable to contact an attorney.

If you are not claiming any bodily injuries, you may want to consult with a personal injury attorney about handling your property damage claim. However, you are unlikely to retain one for just this purpose.

Get Help Now for Car Rental Reimbursement After Accident

At Phoenix Accident and Injury Law Firm near you, we have more than 15 years of experience helping clients obtain compensation for their injuries and get car rental reimbursement after accident in the Phoenix area. When you’re ready to talk, please contact our office to arrange a free initial consultation by phone or at our Chandler office, conveniently located near you.

If you have been in an auto accident and get car rental reimbursement after accident, contact Phoenix Accident and Injury Law Firm in nearby Chandler, AZ to speak with an experienced personal injury attorney. We provide personal injury legal services to clients in your area including ChandlerGilbertMesaScottsdale, Tempe, and Peoria.

Your Solution Starts Here.


(480) 680-8125

Practice Areas

Brenden Lewis
a month ago

So I suffered a tragic motorcycle accident leaving me injured and quite unhappy…… also the bike was totaled. This all star law team secured a large settlement for all my suffering. This process was very well advised by an aggressive and determined lawyer. All I can say is now I’m left a very happy man. Thank you karissa for working quick to bring my tragic story to a much warmer end. Just call them! You won’t regret it!

Shayianna Guyton
a month ago

They literally conversed with me every step of the way throughout my journey. Thank you guys

I was very pleased with my experience. They kept me informed the whole way through the process and checked on me through my treatment. Definitely would recommend

My dad was in a car accident and during those difficult moments, Phoenix Accident and Injury Law firm has been there for us. They care for their clients, will walk you through everything you need to know step by step, they follow up, very easy to reach and fast to respond. And one thing is for sure! they will fight for you! we felt safe with them! Me and the entire family thank them all so much for all their help! These people that works here are amazing!

Jenifer henke
a year ago

I was in an accident that resulted in getting whiplash and a concussion. I contacted Phoenix Accident and Injury Law Firm that day. Everyone was helpful (Rhea, Karissa, and Jeff) from the very beginning to the very end. They sent me to a physical therapy location that was pretty far away but the doctor and physical therapist were very kind so I did make the trek. They handled all aspects of my case in a timely manner and answered all my questions. They got the max amount possible, and from that, paid the medical bills and took their fair cut. I would not hesitate to recommend them to family or friends.

I would give ten stars if I could. This law firm is about as professional and friendly as it gets!! They stayed in constant contact with me and answered every question I had. I got a settlement that was higher than I expected and will definitely use this law firm again. I highly recommend hiring them to handle your legal issues!!

Fernando Lopez
a year ago

My experience with this team was superb, as they were ongoing with the case and making sure that the client gets what they deserve. I recommend anyone looking for a accident law group that this is the team you want to be representing you!!

Kimberly Legaspi
2 years ago

What can I say about the Thompson Law Firm? They are AMAZING!! It’s never fun when you need an accident lawyer because you are pretty much in a bad place. Shane and the staff have been wonderful, kept me informed at every step of this process. I would recommend Thompson Law Firm to anyone, in fact, I have referred several friends already!! Thank you Thompson Law Firm for everything you did for me!!!

Amanda Olney
2 years ago

These guys were absolutely amazing. They were very clear with me about what I needed to do on my end and I saw fast results. I just recommended them to a friend a week ago and he also dealt with my mother's case. I wouldn't see anyone else.

2 years ago

Karissa and Shane were amazing! They were there for any questions I had and checked up on me regularly. Highly recommend these guys!!

Karissa Murphy
2 years ago

Back To Top