Rental automotive accident – what am I responsible for?

By | April 16, 2019

Hello – ​ Hoping for some assist right here to simply get an understanding what I’m doubtlessly going to be responsible for following an accident. ​ I used to be driving a rental automotive yesterday and was concerned in an accident that resulted in ​ – my rental automotive being totaled – one other automotive acquired scratched – one other automotive acquired a major dent within the rear bumper. The driving force of this automotive additionally went to the hospital for again ache in an ambulance. Police who have been on the scene informed me his accidents have been minor. ​ Police got here to the scene, and a report was filed. I used to be deemed at fault (not arguing this). ​ With the rental automotive, I declined all types of insurance coverage; my bank card supplies main CDW (I’ve confirmed this with the cardboard firm), and I imagine this could cowl the price of the totaled rental automotive as I’ve not violated any of the phrases and circumstances. Though I don’t have any of the required documentation to file the declare with the CC firm, ought to I begin that course of? ​ I don’t have private auto insurance coverage as I don’t personal a automotive. ​ My questions are largely round what I’ll doubtlessly owe to the opposite drivers. After I spoke with the customer support rep on the rental automotive company, they stated that though I didn’t buy the Supplemental Legal responsibility Insurance coverage, all the rental vehicles have a minimal stage of legal responsibility insurance coverage that may doubtlessly cowl some (perhaps all) of the harm to the opposite vehicles? Is that this appropriate, or would I be required to pay all these prices out of pocket? ​ I additionally assume I might be held responsible for the hospital prices for the opposite driver? ​ I respect any assist. I’ve not been in a state of affairs like this, and it is positively a studying expertise. I’m feeling careworn by not having a stable understanding of what I ought to anticipate to be paying (am not searching for estimated numbers, somewhat simply an concept of what kinds of prices I ought to anticipate to be paying for). ​ Thanks prematurely. submitted by /u/sunparrot [link] [comments]