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I Was Hit by an Uninsured Driver in a Rental Car. Who is Responsible for My Missouri Car Crash Injuries?

You were rear-ended in a Lee's Summit, MO car crash. You did everything you were supposed to. You called 911 and asked the police to fill out an accident report. You took pictures of your injuries and of the damage to both vehicles. You asked the other driver for his contact information. But, when you asked for the name of his insurance company, he suddenly turned red and said "It was a rental and I didn't get insurance." Now you are left wondering, "Who will pay for my Missouri auto accident injuries?"

The good news is that Missouri car rental companies must provide a minimum amount of insurance on all rental cars. In Missouri, that is $25,000 per individual ($50,000 per accident) bodily injury liability, $10,000 per accident property damage liability, and $25,000 per individual ($50,000 per accident) limit uninsured motorist bodily injury coverage. So, as long as the other driver was at fault and no one else was involved in the accident, there is $25,000 available from the rental company's insurance to cover your injuries.

This sounds like a lot, but the Lee's Summit, MO auto accident lawyers at Kansas City Accident Injury Attorneys warn that costs can add up. An average hospital stay is about five days and costs about $23,000. This doesn't leave much for follow-up care, pain and suffering, and time missed from work.

The driver who said he was uninsured may not have realized that, although he turned down the supplemental insurance offered by the rental car company, he was still covered by the basic insurance policy. He may also have insurance coverage through his regular insurance company and through the credit card that he used to pay for the rental.

Other sources of compensation for your injuries can come from your own uninsured/underinsured motorist coverage and directly from the at-fault driver.

Getting this compensation is not easy. Insurance companies rarely pay full benefits without a fight. Our Lee's Summit, MO car crash lawyers put up that fight to get you all the insurance compensation you deserve. To discuss your Missouri rental car accident with a Missouri accident injury lawyer, contact Kansas City Accident Injury Attorneys at 888-348-2616.

For more information about what to do after a Missouri car accident, request a FREE copy of our guide, 10 Essential Steps You Must Take to Protect Your Injury Claim.

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Auto & Vehicle Accidents

• Why are research and statistics that look at gender differences among drivers important? If I am hurt in an Independence, MO car accident, do the research and statistics matter?

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