Can I Get a Rental Car After a North Carolina Car Accident?

Charlotte Personal Injury Attorney Matt Arnold answers the question: “Should I take photographs of the property damage sustained to my car, of the accident scene, or of my visible injuries following an accident?”


Being involved in a car crash can cause physical, emotional, and financial hardships. If you have been involved in a serious car accident, you have most likely incurred significant damage to your vehicle.

car-keys-Rental-car-keys-Charlotte-Monroe-Mooresville-Injury-Lawyers-300x247If your car is not drivable following a collision, you may be required to wait until the vehicle is repaired to drive again. However, if the costs to repair your vehicle exceed 75% of the actual cash value of the vehicle, your car may be deemed totaled, and your insurance company will likely, depending on the circumstances, make an offer to cover some or all of the cost of replacing that vehicle.

Can you get a rental car after a car accident while waiting for (a) your vehicle to be repaired or (b) the insurance company’s determination that the car is a total loss?

Getting a Rental Car After a Car Crash in North Carolina

First of all, it is critical to determine fault in your car accident to understand which insurance company will be responsible for paying for your rental car.

  • The other driver is at fault. In this scenario, you can get compensated for the cost of renting a car or purchasing a new vehicle (if your car is declared a total loss) through the at-fault driver’s insurance company. You can seek compensation for your rental car fees from the date the crash occurred to the date when your vehicle is repaired and becomes drivable again. If your car is a total loss and you receive compensation for a new vehicle, the insurer is no longer required to pay for your rental car.
  • You are at fault. If you were at fault for causing the crash, you might be able to seek compensation for rental fees through your own insurance company. However, that depends on your auto insurance policy. Your insurance company may refuse to pay for your rental car if you do not have collision coverage.


Can I Still Get Compensated if I Do Not Get a Rental Car?

It is totally up to you to get a rental car after a car accident. But even if you do not get a rental car to drive around while your vehicle is being repaired, you may still be able to seek compensation for the time you have been unable to use your car.

Typically, the amount of compensation is determined based on what you would have paid for a rental car had you got one. However, the insurance company may refuse to pay by arguing that you did not get a rental car. For this reason, it is advisable to be represented by an experienced attorney to help you obtain the compensation to which you are entitled.

Contact our lawyers at Arnold & Smith, PLLC, to discuss your compensation options. Call (704) 370-2828 to receive a video, phone or in-person consultation with our lawyers to explore your legal options or fill out our contact form. Now taking cases throughout North Carolina with offices in Uptown Charlotte, Mooresville and Monroe.







The skilled personal injury attorneys at Arnold & Smith, PLLC are dedicated to maximizing the financial recovery and obtaining justice for every personal injury client injured by another party’s negligence. The issues our personal injury clients may be facing include, but are not limited to, slip and fall injuries, wrongful death, product liability, catastrophic injuries, dog bite claims, car and truck accident injuries, motorcycle injuries, traumatic brain injury (TBI), nursing home negligence, spinal cord injury, boating accidents, and defective medical device injury. Our personal injury attorneys understand the devastating impact such an injury can have on a person’s life, and that the effects so often go beyond physical pain and suffering. The personal injury attorneys at Arnold & Smith, PLLC are dedicated to helping clients determine the strength of their claims, and to aggressively pursuing the means necessary to achieve the best possible end result for each client’s particular situation.





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