Should You Buy Rental Car Insurance? Pros and Cons Explained
Renting a car can be a convenient way to travel, whether you’re on vacation, on a business trip, or your vehicle is temporarily out of commission. But right before you drive off the lot, you’re faced with a familiar question at the rental counter: Do you want to purchase insurance with that?
If you’ve ever hesitated or felt unsure, you’re not alone. Here’s a breakdown of the pros and cons of buying rental car insurance to help you make a confident decision the next time you rent.
The Pros of Buying Rental Car Insurance
1. Peace of Mind
One of the biggest advantages is the peace of mind that comes from knowing you’re covered. If anything goes wrong — from a fender bender to theft — you won’t have to deal with your personal auto insurance or pay out-of-pocket.
2. Protects Your Personal Insurance
If you use your personal auto insurance for a rental, any claims can impact your rates. Rental insurance helps you avoid filing through your own policy, preserving your premium and avoiding deductible payments.
3. Additional Coverage
Rental insurance often includes extras not covered by personal insurance, like loss-of-use fees (charges for the time the rental is out of commission), administrative fees, and roadside assistance.
4. Simpler Claims Process
With rental insurance, the rental company typically handles claims directly. This can be much faster and less stressful than going through your personal insurance provider.
The Cons of Buying Rental Car Insurance
1. It Can Be Expensive
Rental car insurance can add $10–$30 or more per day to your rental costs. If you’re renting for several days or weeks, that adds up fast.
2. You May Already Be Covered
Many drivers already have sufficient coverage through their personal auto insurance, credit cards, or travel insurance. Paying for duplicate coverage is essentially throwing money away.
3. Confusing Terms
Rental companies often offer multiple types of coverage (collision damage waiver, liability, personal accident insurance, etc.), and it can be unclear what’s necessary or redundant — especially under pressure at the counter.
4. Coverage May Still Have Gaps
Even with rental insurance, you might not be fully protected. For instance, some policies don’t cover damage to tires, the undercarriage, or windshield — all of which are common damage points.
So, Should You Buy It?
It depends. Ask yourself the following:
Does my personal car insurance cover rentals?
Does my credit card offer rental car insurance?
Am I traveling internationally, where my coverage might not apply?
Do I want to avoid the hassle of filing claims?
Consumer Reports suggests “before you get to the rental counter, find out exactly what your credit card and personal auto insurance protect you against, paying special attention to the common coverage gaps and special circumstances.”
If you’ve been injured due to someone else’s negligence, contacting Queener Law is a crucial first step in protecting your rights. Our experienced personal injury attorneys understand the physical, emotional, and financial toll an injury can take, and we’re here to help you navigate the legal process with clarity and confidence. At Queener Law, we fight to secure the compensation you deserve so you can focus on healing and rebuilding your life. Don’t wait—your recovery starts with the right legal team by your side.
Understanding your Traffic Crash Report or police report after a car accident can be confusing. However, it’s essential to comprehend your accident report and ensure its accuracy, as insurance companies will use it to determine compensation for your accident.
If you were in a truck accident, the trucking company will likewise look at the accident report as part of their response to the accident. Moreover, if the investigating officer is called to testify in a deposition or at trial, their testimony will likely be based on the report.
Here are some key components to pay attention to:
Accident Details: Look for specifics on how the accident occurred, including diagrams or sketches if available.
Contact Information: Ensure that all involved parties and witnesses’ names, addresses, and contact information are accurate.
Injuries and Damages: The report should outline any injuries sustained and the damages to vehicles involved.
Citations and Violations: Check for any traffic citations issued and details about the circumstances leading to such violations.
Witness Accounts: Witness statements can provide additional context to the events.
Officer’s Narrative: The officer’s interpretation of the incident can influence the outcome, so it’s vital to reflect the situation accurately.
Insurance Information: Note the insurance details entered in the report that are necessary for claims processing.
Contact Queener Law and schedule a no-cost consultation with our law firm to get assistance if you have questions about your police report. Call (606)451-0053.
Drivers running red lights due to impatience or distraction cause more than 1,000 fatalities each year, endangering their lives and other road users as well. Many red-light runners have reported “accidentally” blowing through these traffic lights due to a distraction. Red-light running often results from distracted or aggressive driving and is 100% preventable.
The Insurance Institute for Highway Safety (IIHS) reports that 1,149 people were killed and more than 100,000 injured in crashes that involved red-light running in 2022. At least half of those killed were the driver’s passengers, pedestrians, bicyclists, or people in other vehicles.
Among drivers involved in fatal, red-light-running, multiple-vehicle crashes in 2022, the red-light runners were more likely than other drivers to be male, to be younger, and to have prior crashes or alcohol-impaired driving convictions, according to IIHS. They were also more likely to be speeding or alcohol-impaired at the time of the crash and less likely to have a valid driver’s license.
Red-light running in Kentucky
Kentucky State Police data compiled from collision reports submitted by Kentucky law enforcement agencies across the commonwealth show that in 2023, 3,914 crashes occurred due to drivers’ disregard for traffic control, resulting in 46 fatalities and 2,194 injuries.
Reducing risks from red-light runners
With the number of red-light running crashes continuing to climb, AAA offers these tips for avoiding crashes caused by running red lights:
• Limit distractions. AAA Foundation research finds that distraction from activities, such as hands-free texting or dialing while sitting at a red light, can linger with a driver for up to 27 seconds afterward.
• Drive defensively. Before you advance through an intersection after the light has turned green, take a moment to look both ways and then proceed. Don’t assume all cross traffic has obeyed the red light.
• Prepare to stop. When preparing to enter an intersection, lift your foot off the accelerator and “cover the brake” by positioning your right foot just above the brake pedal without touching it.
• Use good judgment. Monitor “stale” green lights―those that have been green a long time―as you approach the intersection. They are more likely to turn yellow when you arrive at the intersection, so anticipate the need to make a safe stop.
• Tap the brake. Tap your brakes a couple of times before fully applying them to slow down. This will help catch the attention of drivers behind you who may be inattentive or distracted.
When a driver runs a red light, it is more likely to cause a significant injury than many other types of accidents due to the high speed involved and the unprepared drivers crossing traffic that have a green light. “T-bone” or “angular” collisions often result in severe injuries and fatalities for the occupants on the side of the car that is hit. Small gaps separate the driver and passenger from a side impact, increasing the chances of catastrophic injuries.
If you’ve been involved in an accident with a negligent driver who ran a red light, you need Queener Law to fight for you! Don’t wait to get help. Queener Law will get you set up with medical attention, even if you do not have health insurance. Call Queener Law today or use ouronline consultation form to schedule a free consultation and discuss the circumstances of your accident and how we can help you.
KY Pedestrian Hit and Killed by a Vehicle. These Accidents are More Common Than EVER. What Does This Mean for You?
On the evening of December 4th, a pedestrian was struck by a vehicle on US 27 in Lincoln Co. The man sustained fatal injuries, and local authorities arrested the driver for an outstanding warrant. Alcohol is not believed to be a factor. Accidents like these are becoming more and more common. According to NPR, US pedestrian deaths reached a 40-year high in 2023.
Will the Driver’s Insurance Cover the Victim’s Medical Bills and Damages?
Not necessarily. Many residents in Kentucky carry only the minimum auto insurance required by law. These policies provide $25,000 for injury or death of one person, $50,000 for multiple people, and $25,000 for property damage. Unfortunately, these amounts are often insufficient in serious cases.
What Does This Mean for Me?
In Kentucky, many drivers choose to carry only the minimum insurance coverage. This, combined with the rising number of vehicle and pedestrian accidents, can lead to inadequate funds to cover medical bills or damages in the event of an accident for which they are at fault. You may find yourself in a difficult position if you do not have Underinsured or Uninsured coverage.
What If I Am Not at Fault?
In Kentucky, we have a provision known as Personal Injury Protection (PIP) as part of our car insurance. The driver’s PIP may cover your medical expenses. However, you may also experience lost wages from missing work and other related costs. An attorney can help you seek the compensation you deserve.
What Should I Do If Their Insurance Doesn’t Cover Everything?
It’s essential to have representation as a victim in these situations. Finding the right personal injury attorney can be crucial in securing the compensation you deserve for pain and suffering. Queener Law has access to reconstruction experts, financial professionals, medical experts, and others who can bolster your claim for relief. Please contact our office today if you or a loved one has been injured.
Personal injury attorneys understand the risks associated with medical releases and how they can impact your car accident injury claim. Do you? Sharing all your medical records with your insurance company can jeopardize your case. It’s crucial to only provide the medical records from the hospital and the treating physician who saw you after your accident.
Giving all your medical records to an insurance adjuster can negatively affect your car wreck case for several reasons:
1.Loss of Control Over Your Information: When you provide complete access to your medical records, you lose control over which information the insurance company can see. They may access unrelated medical history that doesn’t pertain to your injury, which could be used against you.
2. Pre-Existing Conditions: Insurance adjusters may scrutinize your entire medical history to find pre-existing conditions or past injuries that could be presented as contributing factors to your current pain or disability. This could reduce the perceived severity of your current injuries and weaken your claim.
3.Exaggeration of Claims: Insurance companies may use your medical history to argue that your injuries are exaggerated or that you have a history of similar complaints, undermining your credibility.
4.Settlement Negotiations: If the insurance company sees information in your records that they can capitalize on, they might offer a lower settlement amount than you deserve, believing that your case is weaker based on the additional medical information.
5. Privacy Issues: Sharing all your medical records raises privacy concerns. There’s a risk that sensitive information could be misused or improperly disclosed, impacting your reputation or personal life.
6. Strategic Disadvantages: The more information the insurance adjuster has, the easier it is for them to develop strategies to minimize liability. It can ultimately give them an upper hand in negotiations.
In short, being cautious about what medical information you share with an insurance adjuster is crucial. It’s wise to consult a personal injury attorney like Henry Queener to navigate this process.
When a pedestrian is hit by a car, the driver is typically considered at fault, especially if the pedestrian was in a crosswalk or not on the road. However, in some instances, pedestrians can be found partially responsible for the accident if they were not following road rules.
How Fault is Determined?
The person responsible for covering the expenses related to a crash is the one whose careless actions led to the accident. Negligence involves four main elements that can help determine the party at fault:
1. Duty of care: What are the expectations for both parties to ensure each other’s safety?
2. Breach of duty: Which party acted thoughtlessly or recklessly?
3. Causation: Did that thoughtless or reckless action cause injury?
4. Damages: If so, the negligent party can be held responsible.
Using these criteria, our pedestrian accident lawyers assess each case to identify the negligent act that initiated the chain of events. Sometimes, it may be the driver’s negligence, but pedestrians can also behave recklessly.
When a Driver is at Fault?
Any number of negligent behaviors can lead to a collision between a car and a pedestrian, such as:
These behaviors may result in the driver being considered at fault. According to the elements of negligence, many of the above behaviors represent a breach of duty of care. Someone who turned on red without checking a crosswalk, striking a person, was not exercising proper care.
Rideshares increasingly pose risks to pedestrians, especially at pick-up and drop-off locations. Distracted driving plays a particular role in rideshare-pedestrian accidents; drivers are focused on the GPS, rideshare app, or texting, leaving them at fault.
When the Pedestrian is at Fault?
Pedestrians can be responsible for their own negligence, such as:
– Being under the influence
– Being distracted, like texting while walking
– Crossing outside a crosswalk
– Darting into traffic unexpectedly
For instance, if a drunk pedestrian suddenly stumbles into the street, it doesn’t give a driver enough time to stop. Even though the pedestrian was injured, their reckless action caused the accident. According to the Centers for Disease Control and Prevention (CDC), the pedestrian was intoxicated in 33 percent of fatal pedestrian accidents studied.
We Can Help Make Sense of Your Pedestrian Accident
When you contact the team at Queener Law, you will receive a free consultation to ask questions about your pedestrian accident.
During this consultation, we can help you better understand who may be at fault after a car hits a pedestrian and provide advice on pursuing damages. Please feel free to contact our office today for more information.
