That is a difficult question and depends on the circumstances of each case. Car crash victims who have full coverage on their damaged or totaled vehicle have more options than victims who have no insurance or only liability insurance.
For those with full coverage (Collision Coverage) on the vehicle, there are two options. First, you can rely on the careless driver’s liability insurance company to handle the property damage and rental car. Second, you can rely on your own insurance company to handle the property damage. However, if you do not have rental coverage on your own policy, you will either have to rely on the other driver’s insurance to provide a rental car, or pay for a rental car out of pocket and seek reimbursement later.
There are pros and cons associated with each option. If the car crash victim uses their own insurance, it is less likely there will be delays in processing the property damage claim and placing the victim into a rental car (if the victim has rental car coverage). However, the car crash victim will likely pay a deductible, and face the possibility of an increase in their insurance premiums. If the car crash victim relies on the careless driver’s liability insurance, they are, to some extent, at the mercy of that insurance company. Because the careless driver’s insurance company is allowed to investigate the circumstances of the car crash, and the careless driver might not always be honest about what happened, the car crash victim will frequently be required to wait until a police report has been completed and filed before the careless driver’s insurance company will take responsibility for the crash. This can cause significant delays in the car crash victim’s ability to get their vehicle repaired or replaced, and the victim’s ability to get a rental car.
A special message to the friends and potential new clients of FVF Law:
FVF’s client contract has, for a long time, contained the following termination clause: “FVF Law is a values-driven law firm, and because diversity is a value we support, “good cause” [for termination] shall include any expression by the client of intolerance with respect to race, ethnicity, gender, religion, or sexual orientation.”
Now more than ever, FVF recognizes the global need to combat racism proactively, and to do so with more than just words. This firm was built on the mission of being better. Better lawyers. Better advocates. Better people.
We all know being better requires an ongoing commitment to learning, growth, introspection, and change. We enthusiastically embrace that commitment and hereby pledge to do more than just talk about it. Stay tuned on our blog and facebook page for more about what FVF is doing to back this important global effort.
In the meantime, we would respectfully request new clients who find their own views incompatible with this pledge to consider contacting another firm to handle their case. In any case, we invite you to provide honest feedback by emailing email@example.com.
Josh and Aaron, and all of FVF Law