"What happens if I hit a phone pole and wreck a rental car with only liability insurance? "

I found out after the accident that my own insurance does not cover rental vehicles, and it will only provide liability coverage to AT&T for the pole. The rental car company says I'm personally liable for the vehicle. The car is totaled. What options do I have?

“Your options may be few at this point.
If your insurance company has not already issued a formal written denial of coverage, ask them to do so. The rental company would much rather make a claim against your insurance than pursue you directly, so you may be able to ask their claims department for help in dealing with your insurance company.
If you have any credit cards, review your terms to see if you might have any coverage there. Some credit card companies provide collision coverage for a rental car, but they might have needed to be notified of the rental ahead of time.
If you foresee that you will be unable to pay for the damage to the rental car, and if you have no other coverage, you will want to consult with a legal professional who can review the insurance policy and rental car contracts. They would advise you further on what options you have. “
Shannon Martin
Answered on May 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.

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