When it comes to car accidents in Texas, the at-fault driver's liability insurer is required to provide you with a rental car while your car is being repaired. This includes the same type of car you had before, such as an SUV. However, if you didn't pay for rental car coverage in your insurance policy, you won't be able to get a rental car. If you want to rent a car in the future, it's best to pay for the additional coverage. When it comes to buying rental car insurance, it's important to know that your car insurance policy will cover you while driving rental vehicles in Texas.
This includes liability coverage, collision coverage, full risk coverage and full coverage by default. It's also important to be careful what you say at the scene of the accident or in any conversation with the other driver's insurance company. If the at-fault party's insurer refuses to pay for your rent, you must file a lawsuit against them and get a verdict before you can “force your insurer to pay your rent”. However, when it comes to repairing your car, it's best not to use the options suggested by the insurance company. Buying Texas minimum liability auto insurance coverage is the easiest way to meet the financial responsibility requirement. When renting a vehicle internationally, rental car insurance may be mandatory.
If you rent a car without insurance and get involved in an accident, things can get very expensive and quickly. When you buy a new car in Texas, there are no state laws that guarantee how much time insurance companies should give you to exchange your current policy for a new one. Penalties for driving without insurance in Texas include fines and high-risk insurance requirements. If that happens, your insurance will have the subrogated right to ask the other driver's insurance company to reimburse the amount you paid for your rental vehicle. It's best to know what you're getting into before you get in a rental car, and a licensed auto insurance agent can help. Usually, the insurance company that pays for the rent will have a relationship with the car rental company they want you to use.
If you don't have rental insurance, generally not, your insurance company won't pay for a car rental.
