Have you been injured in a car accident?

Our Car Accident Help site is designed to be a one-stop source for anyone who has suffered personal injuries in a car crash. It is also a helpful resource for someone whose loved one has been injured in an Oklahoma car crash. Speak to one of our representatives at (405) 285-4357 if you have any questions, or fill out our form to get your free, instant, no obligation accident analysis. We have Oklahoma car accident attorneys on staff who know the law and can defend your rights.

Rental Cars and Insurance Coverage in Oklahoma

Protect Yourself When You're in a Rental

Let’s say you have just arrived at the Will Rogers World Airport in Oklahoma City, on a trip for either business or leisure purposes. You gather your luggage, make your way to the rental car counter, and select your vehicle. As you are in the process of wrapping up the transaction, the rental agent asks the inevitable question of whether you want to purchase rental car insurance. The right answer to this question? It depends.

Why Buy Rental Insurance?

Reasons why people renting a car might want to consider purchasing supplemental rental car coverage include:

  • Their own personal auto policy may or may not cover rental vehicles, and even if it does, it may only cover damage to the vehicle or liability (or both).
  • They may have credit card coverage for rental vehicles, again, which may or may not cover comprehensive, collision, or liability claims.
  • Their health insurance may cover any or all injuries they sustain in an accident, but would not cover injuries sustained by another person.
  • Some types of vehicles, or some types of travel, are excluded from their coverage.

The bottom line is that knowledge truly is power. While reading your car insurance policy and credit card coverage documentation can be about as much fun as watching paint dry, most of what you need to know in order to make an informed decision is written in the pages.

What Kinds of Insurance Do You Need To Consider?

When renting a car, there are several types of insurance available:

  • Collision damage (also known as loss damage): This would be relevant in instances where there is damage to the rental vehicle itself or other property. This could be sustained in an accident, or be something as simple as a flat tire. Depending on the severity of the vehicle damage, this waiver would potentially save you thousands of dollars in repair costs. To be clear, these costs may be covered under your own comprehensive or collision policy.
  • Personal liability: This would be relevant where there are injuries to property or persons other than you. Most states, including Oklahoma, require drivers to maintain a minimum level of insurance, which may NOT be sufficient to pay for the damages sustained by an injured party. This would then be a useful and helpful extension of insurance.
  • Personal effects coverage: Covers your stuff while it is in the car. This would essentially allow you to cover the contents of the vehicle.
  • Personal insurance: Covers the medical costs for injuries after an accident.

Whether you are the cause of an accident with a rental car or the unlucky victim, it is essential that you understand the nature of insurance with respect to rental vehicles. IF you are the driver and you cause an accident, and you declined to add rental insurance, you may be looking at significant out-of-pocket costs. And if you were the victim of an accident with a rental car, you may be forced to jump through multiple hoops to figure out who to turn to for help with coverage of lost wages, medical expenses, and other damages.

Regardless of whose fault it is, getting advice and counsel from an Oklahoma car accident attorney is a wise choice. If you or a loved one was involved in a rental car accident, call Car Accident Help at (405) 285-4357.

Additional Information

Related Links

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Don't Wreck Twice

You've Already Wrecked Your Car, Now DON'T Wreck Your Case! Get your FREE instant download to learn EXACTLY what you need to do so that you don't wreck twice!
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Getting Support for Your Car Accident

The period after a car collision can be devastating and chaotic for crash victims and their families. This is the time when you can use all the support and resources you can get. The team at Car Accident Help are committed to providing you with the information and resources you need during these challenging times. If there are any questions you may have or want to know your legal rights, contact us today for a free initial evaluation to see if you have a case.

Find out if you have a case

Who We Are

The team at CarAccidentHelp.com created this site to provide a resource to those who have just been in an accident and need someone on their side. The insurance companies are not looking out for your best interests and you need an advocate who knows the laws in Oklahoma and will fight for you. We help you figure out if filing a lawsuit is right for your situation, and connect you with lawyers who can determine if you have a case.

Car Accident Help
15401 N. May Avenue
Suite 900
Edmond, OK 73013
Call: (405)-285-4357


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OK Rental Car Accident Attorney Disclaimer: This web site is designed to provide educational information. The injury information contained in this web site is not intended to offer legal advice. Information contained in this web site is not intended to create an attorney-client relationship, nor does it constitute legal advice, to any person reviewing such information. No electronic communication with Car Accident Help, or any employees thereof, will generate an attorney client relationship, nor will it be considered an attorney-client privileged communication. Any reference in this web site to past results for clients obtained by Car Accident Help, including reference to the Million Dollar Advocates Forum, does not guarantee that similar outcomes will be achieved for future cases. Each case is different, and must be evaluated and handled based on its individual attributes and merits.

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