Rental Vehicle Insurance Kansas City Kansas KS

Reader’s Question:

I rented a car and declined their insurance since I had credit card insurance in Kansas City Kansas. However, I made a mistake of not initiating the rental in that credit card. While driving the rental car, the tire blew out and the car hit the median. There was some extensive damage to the car and I’m in deep trouble now as my credit car insurance will not work. Is there any way that I can be saved from this situation, please help?

Anna

Kansas City, KS

Your credit card insurance in Kansas City, Kansas isn’t auto liability insurance and it doesn’t alleviate your responsibility to have it. And you don’t insure any of your own cars or home owner’s policy so if I were you, I would be calling my insurance agent quickly. Or I would hire an attorney to sue the car rental company for allowing you to drive a defective car.
My insurance automatically covers every vehicle that I drive in excess to the owner’s insurance so I’m fully insured on rentals.

If you don’t have auto insurance yourself or if your policy does not extend to rental cars then your only option is to make a payment arrangement for the damage to the rental vehicle yourself. By refusing the coverage with the rental agency and not using a credit card that provides the coverage, you accepted the entire risk yourself. Sorry, but I think there’s no way around that for the most part.

You may have a case to claim that the vehicle was not in safe operating condition due to the defective tire. Therefore the damage is because of the rental company’s negligence. That would only apply if you didn’t do anything that could have damaged the tire in the first place such as hitting a pothole or curb.

I strongly suggest consulting with a local attorney to see if there’s any to claim negligence on the rental company as a defense.

Tags: auto insurance, rental car insurance