Auto Insurance in Freeman, Arizona

Auto insurance is a critical aspect of responsible vehicle ownership in Freeman, Arizona. Understanding the nuances of vehicle coverage in this region is pivotal for every driver. Car insurance not only provides financial protection but is also a legal requirement, with specific obligations that drivers must adhere to in the state of Arizona.

Understanding Vehicle Coverage in Freeman

When it comes to vehicle coverage in Freeman, Arizona, drivers must comprehend the various aspects of insurance policies available to them. These can include liability coverage, which helps pay for injuries or property damage caused to others in an accident for which the insured is at fault. Additionally, comprehensive and collision coverage options are available to protect against damages to one's vehicle under different circumstances, such as theft, natural disasters, or collisions.

Importance of Car Insurance in Arizona

Car insurance holds paramount importance in Arizona, and Freeman is no exception. Having adequate auto insurance ensures financial security and peace of mind for drivers, as it helps cover the costs associated with accidents, injuries, or property damage. Moreover, insurance is a safeguard against unforeseen events, offering a layer of protection that is invaluable in times of need.

Legal Requirements for Auto Insurance

In Arizona, there are specific legal requirements regarding auto insurance that all drivers must meet. The state mandates a minimum level of liability coverage to ensure that individuals can cover the costs of damages or injuries for which they may be responsible in an accident. Adhering to these legal requirements is not only essential for compliance but also crucial for safeguarding both the driver and others on the road.

Factors Influencing Auto Insurance Quotes

Obtaining an auto insurance quote in Freeman, Arizona involves various factors that insurance providers take into consideration. Understanding these factors is crucial for drivers seeking the best and most accurate quotes:

1. Driving Record: Your driving history plays a significant role in determining your auto insurance premium. A clean record with no accidents or traffic violations typically results in lower rates.

2. Coverage Type and Limits: The type of coverage you choose and the coverage limits you set will impact your quote. Comprehensive coverage and lower deductibles often lead to higher premiums.

3. Vehicle Details: The make, model, year, and safety features of your vehicle are influential factors. Safer and more reliable cars usually result in lower insurance costs.

4. Credit Score: In some states, including Arizona, your credit score can affect your insurance rates. Maintaining a good credit history can help you secure more favorable quotes.

5. Age and Driving Experience: Young and inexperienced drivers usually face higher premiums. Conversely, older, more experienced drivers may enjoy lower rates.

6. Annual Mileage: The number of miles you drive annually can impact your quote. Lower mileage often translates to lower insurance premiums.

7. Location: The area where you live can affect your rates. Urban areas may have higher rates due to increased traffic and risk of theft or accidents.

Comparing Quotes for the Best Rates

Once you've gathered quotes from different insurers in Freeman, Arizona, comparing them is essential for finding the best rates and coverage for your needs:

1. Coverage Consistency: Ensure that the quotes you compare offer similar coverage types and limits. This allows for a more accurate assessment of the cost differences.

2. Deductibles: Examine the deductible amounts for each quote. Choosing a higher deductible can lower your premium, but it's essential to consider what you can comfortably afford to pay out of pocket in case of a claim.

3. Discounts: Check for available discounts. Insurers offer various discounts for factors like safe driving records, bundling policies, and more. Identifying applicable discounts can significantly impact the final cost.

4. Reviews and Reputation: Consider the reputation of the insurance companies providing the quotes. Reading reviews from other customers can offer insights into their customer service, claims process, and overall satisfaction.

5. Customization Options: Look for insurers that allow you to customize your coverage based on your specific needs. Flexibility in policy customization ensures that you only pay for what you truly need.

Navigating Freeman Arizona Auto Coverage

Understanding the intricacies of auto insurance coverage in Freeman, Arizona, is essential for responsible and protected driving. This section delves into the various types of coverage available, the minimum requirements mandated by Arizona law, and additional coverage options that residents in Freeman might consider for comprehensive protection.

Types of Auto Insurance Coverage: Auto insurance coverage isn't one-size-fits-all, and drivers in Freeman have a range of options to tailor their policies to their specific needs. Common types of coverage include liability coverage, which pays for injuries and damages to others if you're at fault in an accident. Collision coverage helps repair or replace your vehicle if it's damaged in a collision, and comprehensive coverage protects against non-collision events like theft or natural disasters. Uninsured/underinsured motorist coverage is also crucial, offering protection if you're involved in an accident with a driver who lacks sufficient coverage.

Minimum Coverage Requirements in Arizona: Every state, including Arizona, has its own set of minimum auto insurance requirements. In Arizona, drivers are obligated to carry liability insurance that includes at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage coverage. Adhering to these minimums is essential for legal compliance and financial responsibility.

Additional Coverage Options in Freeman: While meeting the state's minimum requirements is mandatory, many Freeman residents choose to go beyond these basics to ensure comprehensive protection. Additional coverage options may include medical payments coverage for medical expenses, personal injury protection (PIP) for broader health coverage, and umbrella insurance for increased liability protection. Understanding these additional coverage options empowers drivers to make informed decisions about the extent of their insurance coverage.

Navigating auto insurance coverage in Freeman requires a nuanced understanding of these coverage types, the state's requirements, and the additional options available. By customizing your policy to match your unique needs and circumstances, you can drive with confidence knowing you have the right level of protection.

Affordable Auto Insurance Freeman Arizona

Affordable Auto Insurance in Freeman, Arizona is not just about finding the lowest premium; it’s also about getting the best value for your money. Here are some effective strategies for securing affordable car insurance in Freeman:

1. Safe Driving Habits: Maintaining a clean driving record is one of the most impactful ways to keep your insurance costs down. Safe drivers often qualify for lower premiums and discounts.

2. Bundle Your Policies: Consider bundling your auto insurance with other policies like home or renters insurance. Insurance companies typically offer discounts to customers with multiple policies.

3. Increase Deductibles: Adjusting your deductible – the amount you pay out of pocket before insurance kicks in – can lower your premium. However, be sure to choose a deductible that you can comfortably afford in case of a claim.

4. Shop Around: Don’t settle for the first quote you receive. Compare rates from different insurers to ensure you are getting the most competitive price for your coverage needs.

5. Maintain a Good Credit Score: In many states, including Arizona, insurance companies use credit scores as a factor in determining premiums. Improving your credit score can lead to lower insurance costs.

Discounts and Savings Opportunities: Insurance companies offer various discounts that can significantly reduce your premium. Some common discounts include:

• Safe Driver Discounts: Rewards for maintaining a clean driving record.
• Multi-Vehicle Discounts: Savings for insuring multiple vehicles with the same provider.
• Good Student Discounts: Discounts for young drivers with good academic records.
• Safety Feature Discounts: Savings for vehicles equipped with safety features.
• Military Discounts: Special discounts for active-duty military personnel.

Balancing Cost and Coverage: While seeking affordable insurance is important, it's equally crucial to ensure you have adequate coverage. Striking the right balance involves:

• Assessing Coverage Needs: Evaluate your personal and financial situation to determine the appropriate level of coverage.
• Avoiding Unnecessary Coverage: Tailor your policy to your needs and avoid unnecessary add-ons that can inflate costs.
• Regular Policy Reviews: Periodically review your policy to ensure it aligns with your current circumstances and make adjustments as needed.

By implementing these strategies and taking advantage of available discounts, you can achieve the dual goals of affordability and comprehensive coverage for your auto insurance in Freeman.

Freeman Car Insurance Rates

Car insurance rates in Freeman, Arizona, are influenced by a variety of factors, reflecting the unique dynamics of the local insurance landscape. Understanding these factors and the trends in rates is crucial for residents looking to secure optimal coverage without breaking the bank.

Factors Affecting Car Insurance Rates:

1. Driving Record: A clean driving record is a significant determinant of your insurance rates. Accidents, traffic violations, and other infractions can lead to higher premiums.

2. Vehicle Type: The make and model of your vehicle impact insurance rates. Luxury cars and high-performance vehicles often come with higher premiums due to increased repair costs and risks.

3. Coverage Level: The extent of coverage you choose affects your rates. Comprehensive coverage and lower deductibles typically result in higher premiums, while basic coverage might offer more affordable options.

4. Credit Score: In some states, including Arizona, your credit score can influence your car insurance rates. Maintaining good credit demonstrates financial responsibility and can lead to lower premiums.

5. Age and Gender: Younger drivers, especially teenagers, often face higher insurance rates due to perceived higher risk. Additionally, gender can impact rates, with young male drivers generally facing higher premiums.

6. Location: Local factors, such as the crime rate and traffic density in Freeman, play a role. Urban areas may have higher rates due to increased risks of accidents and theft.

Understanding Premium Calculations:

Car insurance premiums are calculated based on a combination of the above factors. Insurers use complex algorithms that weigh risk factors to determine an individual's or family's rates. While each company may use a slightly different formula, the key elements often include driving history, credit score, and the coverage amount.

Rate Trends in Freeman, Arizona:

Keeping an eye on insurance rate trends in Freeman is essential for residents seeking the most cost-effective coverage. Factors such as changes in traffic patterns, local legislation, and economic conditions can influence how insurance companies adjust their rates.

By staying informed about these trends and working with local insurance providers who understand the Freeman market, residents can make informed decisions to secure reliable coverage at competitive rates. Regularly reviewing and comparing quotes ensures that you're getting the best value for your car insurance in Freeman, Arizona.

Best Auto Insurance Companies in Freeman

When it comes to securing the best auto insurance in Freeman, Arizona, choosing the right insurance company is crucial. Fortunately, there are several top-rated insurance providers known for their exceptional service and customer satisfaction.

1. XYZ Insurance Group

• Why Choose XYZ: XYZ Insurance Group has consistently ranked high in customer satisfaction surveys. Their commitment to transparent policies and competitive rates has made them a favorite among Freeman residents.

• Customer Reviews: Positive customer reviews highlight XYZ's prompt claims processing and helpful customer service. Many clients appreciate their dedication to resolving issues efficiently.

• Tailored Solutions: XYZ Insurance Group offers a range of coverage options tailored to individual needs. Whether you're looking for basic coverage or comprehensive protection, they have you covered.

2. Freeman Assurance Services

• Why Choose Freeman Assurance: Known for its local presence and personalized service, Freeman Assurance Services understands the unique insurance needs of residents. Their agents are familiar with the area, providing insights that can be valuable in choosing the right coverage.

• Customer Reviews: Customers often praise Freeman Assurance for its friendly and knowledgeable agents. The company's commitment to community involvement is also highlighted in positive reviews.

• Policy Flexibility: Freeman Assurance Services provides flexibility in policy options, allowing customers to customize coverage based on their specific requirements. This flexibility ensures that clients pay for what they truly need.

3. SecureDrive Insurance

• Why Choose SecureDrive: SecureDrive Insurance stands out for its innovative approach to safe driving. They offer telematics-based policies that reward safe driving habits, potentially lowering premiums for responsible drivers.

• Customer Reviews: SecureDrive has received acclaim for its user-friendly app that allows policyholders to monitor their driving behavior and access important information easily.

• Innovative Solutions: If you value technology-driven solutions and the potential for reduced premiums based on your driving habits, SecureDrive Insurance could be an excellent choice.

When choosing the best auto insurance company in Freeman, it's essential to consider your specific needs, budget, and the level of service you expect. Reading customer reviews and comparing policies can help you make an informed decision tailored to your requirements.

Insuring Different Types of Vehicles in Freeman, Arizona

Insuring your vehicle in Freeman involves understanding the diverse types of vehicles on the road. From everyday cars to motorcycles, trucks, and even recreational vehicles, each type requires specific insurance considerations. Car insurance policies may vary based on the vehicle's make, model, and usage. For instance, insuring a family sedan might differ from insuring a high-performance sports car or a utility truck.

Specialty Vehicle Coverage in Freeman

Specialty vehicles, including classic cars, RVs, or ATVs, require unique insurance coverage. Freeman residents who own vintage or collectible cars often seek specialized policies that consider the vehicle's rarity and value. Similarly, coverage for recreational vehicles (RVs) extends beyond standard auto insurance to address the specific risks associated with these larger, multifunctional vehicles. Understanding the nuances of specialty vehicle coverage ensures comprehensive protection tailored to the individual needs of Freeman residents.

Tips for Insuring Your Car in Freeman

Insuring your car in Freeman, Arizona, requires careful consideration of various factors. To optimize your coverage:

1. Assess Your Coverage Needs: Evaluate the value of your vehicle, your driving habits, and the level of protection required.

2. Understand Arizona's Requirements: Familiarize yourself with the minimum auto insurance requirements mandated by the state of Arizona.

3. Compare Quotes: Seek quotes from different insurers to find the most competitive rates. Consider factors such as deductibles, coverage limits, and additional benefits.

4. Leverage Discounts: Inquire about available discounts. Safe driving records, bundled policies, and anti-theft features can often lead to reduced premiums.

5. Regularly Review Your Policy: Periodically review your car insurance policy to ensure it aligns with your changing needs and circumstances.

Navigating the world of vehicle insurance in Freeman becomes more straightforward when armed with knowledge about the specific types of vehicles, specialized coverage options, and practical tips for securing optimal protection.

Local Auto Insurance Agents Freeman Arizona

When it comes to securing auto insurance in Freeman, Arizona, the benefits of engaging with local insurance agents cannot be overstated. These professionals play a crucial role in helping residents navigate the intricacies of insurance policies, offering a range of advantages that extend beyond what online providers can deliver.

Benefits of Using Local Insurance Agents:

1. Personalized Service: Local insurance agents in Freeman, AL, provide a level of personalized service that online platforms often lack. They take the time to understand your specific needs, driving habits, and concerns. This personalized approach ensures that the insurance coverage you secure aligns perfectly with your unique requirements.

2. In-Depth Knowledge of Local Regulations: Insurance regulations can vary from state to state, and local agents possess an in-depth understanding of Arizona's specific laws and requirements. They can guide you through the mandatory coverage limits and advise on additional coverage options that might be beneficial in the Freeman area.

3. Tailored Coverage Recommendations: Given their familiarity with the local community, these agents can offer tailored coverage recommendations based on factors such as weather conditions, local traffic patterns, and any unique risks associated with the Freeman region. This local expertise ensures that you're adequately protected in scenarios specific to your geographical area.

Finding Reliable Agents in Freeman:

1. Local Referrals: Seek recommendations from friends, family, or colleagues who have had positive experiences with local insurance agents in Freeman. Word-of-mouth referrals can be invaluable in identifying reliable professionals.

2. Online Reviews: Explore online reviews and testimonials to gauge the reputation of insurance agents in Freeman. Websites, social media platforms, and local business directories often feature feedback from clients, providing insights into the quality of service offered.

3. Professional Associations: Check whether the insurance agents you're considering are members of professional associations or industry groups. Affiliation with such organizations can be an indicator of their commitment to ethical standards and ongoing education.

Personalized Service and Local Expertise:

1. Face-to-Face Interaction: One of the primary advantages of local insurance agents is the ability to have face-to-face interactions. This personal touch fosters a stronger client-agent relationship, enhancing communication and understanding.

2. Accessibility and Availability: Local agents are easily accessible, and their availability extends beyond standard business hours. This can be crucial in emergencies or when you need quick assistance with policy-related queries.

3. Community Involvement: Many local insurance agents actively participate in community events and initiatives. Their involvement demonstrates a commitment to the well-being of the local area and often translates to a higher level of dedication in serving their clients.

Engaging with local insurance agents in Freeman not only ensures you receive tailored coverage but also contributes to the overall support and growth of the community. The combination of personalized service and local expertise makes these agents invaluable partners in securing the right auto insurance coverage for your needs.

Understanding Comprehensive Auto Insurance in Freeman, Arizona

In the realm of auto insurance, Comprehensive Coverage stands out as a crucial safeguard, providing a layer of protection beyond the standard liability and collision coverage. Understanding the intricacies of Comprehensive Insurance is essential for Freeman residents seeking comprehensive protection for their vehicles.

When Comprehensive Coverage is Necessary

Comprehensive Insurance is particularly vital in Freeman, Arizona, due to the diverse range of risks that vehicles may face. It comes into play when your car is damaged by events other than collisions. This includes natural disasters like storms or floods, theft, vandalism, falling objects, and encounters with wildlife. Considering the region's susceptibility to certain weather conditions and other potential hazards, having Comprehensive Coverage becomes a prudent choice.

Pros and Cons of Comprehensive Policies

Pros:

1. Protection Against Non-Collision Events: The primary advantage of Comprehensive Coverage is its ability to cover damages resulting from events other than accidents. This ensures a broader scope of protection for your vehicle.

2. Financial Safeguard Against Theft and Vandalism: Freeman, like any other area, faces its share of theft and vandalism risks. Comprehensive Insurance provides financial security in the unfortunate event of vehicle theft or intentional damage.

3. Peace of Mind in Natural Disasters: Arizona's susceptibility to severe weather, including storms and flooding, makes Comprehensive Coverage a valuable addition. It provides peace of mind, knowing that your vehicle is protected against these natural calamities.

Cons:

1. Higher Premiums: One drawback of Comprehensive Coverage is that it tends to come with higher premiums. The extensive protection it offers comes at an added cost, and policyholders need to weigh the benefits against the expense.

2. Deductibles Apply: Like other insurance types, Comprehensive Coverage often involves deductibles – the amount you must pay out of pocket before your insurance kicks in. Understanding these deductibles is crucial for making informed decisions about your coverage.

3. Not Mandatory: While Comprehensive Coverage provides extensive protection, it's not a mandatory requirement in Arizona. Vehicle owners need to decide if the added protection aligns with their specific needs and risk tolerance.

In conclusion, Comprehensive Auto Insurance in Freeman, Arizona, offers a robust layer of protection against a range of non-collision events. Assessing its pros and cons in the context of Freeman's unique risks can help vehicle owners make informed decisions about their insurance coverage.

• JZ helps (a Florida injury law firm)

• December 31, 2023 By Justin Ziegler, Lawyer 5 Comments

• Rental Car Accident Settlements and Claims (Injuries and More)

• This is the updated ultimate guide to accident and injury claims with rental car companies. 

• In this simple guide, you’ll learn:

• Table of contents

• Life-Changing $170,000 Settlement with Rental Car Insurance Company

• Jessie rented a car with Thrifty in Florida.

• On June 30, 2018, Jessie was driving the rental car. Zach was in the back seat. Jessie was heading straight on a road in Sarasota, Florida. He crashed into the back of the car that was in front of him.

• As a result of the impact, Zach’s arm struck either the window or the seat in front of him.

• Here is the rental car after the accident.

• Paramedics took him to the hospital. As a result of the car accident, he broke his upper arm bone (humerus). At the hospital, someone took a photo of Zach.

• Zach was a minor at the time of the crash. Thus, his mom began looking for a car accident lawyer who had experience with similar claims.

• She hired me as his personal injury attorney to make a claim against the company who insured the rental car driver.  ESIS (Ace American Insurance Company) insured the rental car driver with bodily injury liability coverage.

• The rental car driver had his own auto insurance with GEICO.  However, the rental car insurance pays before the personal auto insurance. 

• After doctor performed surgery on to fix his arm, he had a scar.

• His scar was big. However, the scar wasn’t the biggest part of the claim.

• What’s the BIG reason why we got a $170,000 Settlement?

• The most valuable part of the claim was that he had surgery to fix a fracture. Surgery increases the full settlement value of a car accident case.

• The settlement value of a broken arm (with surgery) is worth much more than the settlement value of the scar.

• Within 8 months of the accident, ESIS (Ace) paid us $170,000 to settle Zach’s injury claim. Here are the two checks totaling $170,000:

• Thrifty is a Hertz Company.

• Some people assume that most of the personal injury settlement is paid to the attorney. This isn’t true.

• Zach received about $113,000 in his pocket (after medical bills were paid, and my attorney’s fees and costs). That means that he got over 66% of the total personal injury settlement in his pocket!

• You can read more about this $170,000 personal injury settlement.

• Rental Car Crash Nightmare Turns to $24K Victory!

• Imagine this: You’re in sunny Florida for a work trip, cruising in your rental car, soaking up the Orlando vibe.

• That’s where Brenda, from Indiana, found herself. But as she drove near Ocala, disaster struck.

• Cynthia, another driver, lost control and crashed into Brenda’s Hertz rental car. The impact was so severe, the airbags deployed, and both drivers were rushed to the hospital.

• Below are photos showing the back of Brenda’s SUV – it’s a mess. The bumper is crushed.

• And inside, the airbags, like big white clouds, popped out in defense.

• It’s clear evidence of the crash’s severity.

• Paramedics arrived fast. They rushed Brenda and Cynthia to the hospital, sirens blaring.

• Brenda was lucky – no broken bones, but she wasn’t unscathed. Neck, upper back, chest pain – the works.

• The doctors prescribed muscle relaxers and pain meds, but what about the stress? The medical bills looming over her head like storm clouds? The rental car company’s bill knocking at her door?

• After her initial treatment, Brenda faced another challenge: flying back home to Indiana. The journey was tough, filled with discomfort and anxiety. She felt overwhelmed, not just by her injuries, but by the looming financial burdens.

• That’s when Brenda found me. A free consultation on my website was all it took to start turning her nightmare into a victory.

• The Insurance Companies Put Up a Big Fight

• Now, let’s talk insurance: GEICO, insuring Cynthia, had a $10,000 BIL coverage. BIL, or Bodily Injury Liability, is insurance that covers the injuries to others caused by the policyholder. However, they played hard to get.

• Email after email, negotiation after negotiation, I finally got them to pay up the $10,000 limit.

• But that was just round one.

• Then there was Brenda’s UIM coverage with Metlife Auto Insurance. UIM, or Underinsured Motorist coverage, kicks in when the at-fault driver’s insurance isn’t enough to cover all the damages. It’s a safety net for situations just like this.

• Another round of tough negotiations, but guess what? I didn’t back down.

• Initially, they were hesitant to even offer $10,000. It took countless emails and negotiations to get them to see reason. This wasn’t just a battle; it was a war of perseverance and determination. I managed to get Metlife to offer $10,000.

• Then, I pushed forward and got Metlife to increase its offer to $14,000. The final victory? A $24,000 settlement for Brenda.

• Brenda’s story isn’t just about the stress of an accident. It’s a tale of not giving up, of having the right person in your corner.

• She shared her experience in a 5-star review, praising our constant communication, even from states away, and how we fought tooth and nail for a fair settlement.

• ⭐ ⭐ ⭐ ⭐ ⭐

• JZ helps is a firm I would highly recommend. My case was complicated. I was visiting from out of town when my rental SUV was rear-ended near Ocala.

• I went to the hospital by ambulance and the rental car was declared a total loss. Even though I was out-of-state, Justin and Jenny [paralegal], communicated often.

• I always felt like I knew what they were doing on my behalf. Justin fought hard for me and won a fair settlement.

• $10,000 Rental Car Accident Settlement

• In March 2019, Lamar was driving his car in a Wendy’s drive thru lane in Oakland Park, Broward County, Florida.

• Joan was driving a car and crashed into the back of Lamar’s car. After the crash, Lamar took this photo of the damage to his car.

• As you can see from the photo, this was a big hit.

• I’ve repeated this over and over:

• Big property damage often leads to a bigger car accident settlement.

• On the crash report, the owner of the car that Ashley was driving was PV Holding. PV Holding is the parent company for Avis Rent a Car.

• After the car accident, Lamar went to the hospital. He then followed up with a doctor and got therapy.

• Segwick handled the claim for Avis Car Rental. I sent a letter requesting the bodily injury liability coverage on the rental car.

• Avis responded with their insurance disclosure under oath. We learned that Ashley was not the person who rented the car. Eugene had rented the car.

• 74% of the car accident settlement was for pain and suffering

• When Eugene rented the car, he did not list Ashley as an additional driver. And since Ashley wasn’t married to Eugene, Sedgwick did not offer bodily injury liability coverage above $10,000. Unfortunately, this is the law.

• This is true even though Eugune purchased Additional Liability Insurance (ALI) with Avis.

• In January 2020, I reached a car accident settlement with Sedgwick for its $10,000 policy limits. Here is the check:

• This is the most that we could get. Unfortunately, there was no other additional insurance available. Approximately $7,400 of the total settlement was for Lamar’s pain and suffering.

• After my attorney’s fees and costs, and paying his medical bills, Lamar got over $4,000 in his pocket. And his attorney (me) did all the work. He was very happy with the car accident settlement.

• Rental Car is Covered with $10K in PIP Benefits (Florida)

• A Florida rental car occupant is entitled to up to $10,000 in Personal Injury Protection (PIP) benefits.  This is true regardless of fault.

• PIP pays for medical bills and missed work. The Personal Injury Protection (PIP) coverage in a rental car policy will not pay for anything above $10,000.

• Here is an example:

• If the PIP portion paid $8,000 for your medical bills, then the most PIP will pay is $2,000 if you can’t work. PIP pays medical bills at 80% of the reasonable charge.

• The $10,000 applies even if you did not purchase rental car insurance.  PIP applies regardless of whether you are a visitor to Florida or a resident of the state.

• The exception to these PIP benefits is that if you are already covered by PIP, then that PIP will pay $10,000 in benefits instead of the rental car’s PIP.

• PIP and Bodily Injury Claims Have Many Differences

• PIP coverage is very different than bodily injury liability coverage. For starters, the PIP claim and the bodily injury liability (BIL) claim will have different claim numbers. Don’t confuse them. Otherwise, your documents may not get to the correct adjuster. And this can delay payment of your bills and settlement.

• The rental car’s BIL coverage covers people who are injured due to the rental car driver’s negligence.

• Rental car companies use an independent company to handle certain portions of the accident claim. For example, Hertz Rent a Car, uses ESIS to handle PIP and BIL claims. ESIS lets the PIP adjuster look at the BIL claim file to view medical bills and records. However, ESIS does not allow the BIL adjuster to view the PIP medical records and bills.

• Hertz uses ESIS to handle its rental car accident claims. ESIS is a third party administrator (TPA).

• ESIS uses approximately seven claim adjusters for all of its Hertz rental car PIP claims in the United States. However, if the someone was driving the rental car as part of the Lyft or Uber program, an ESIS claim adjuster will not handle the PIP claim. In this scenario, you will be dealing with Uber or Lyft’s insurance company’s claim adjuster.

• Uber accident claims are unique. If your accident involves a rideshare vehicle, a highly recommend that you hire a Uber accident attorney.

• If you’re a passenger in a rental car, can you get compensation if the rental car driver is partially at fault and doesn’t have enough BIL coverage to pay for your claim?

• Let’s assume you’re a passenger in a rental car that your friend Jeff is driving in Florida. Assume that Jeff has a GEICO family auto insurance policy.

• Assume that David is driving a car in the same direction and cuts you off. As a result, you crash and are injured.

• Let’s assume that both Jeff and David are at fault.  Assume that you break both of your forearm bones at the shaft (middle of the bone). The doctor puts a plate and screws in your radius (one of your forearm bones) bone. Your other forearm bone (ulna) does not need surgery.

• Here, you can make a personal injury claim against both Jeff and David. However, they are only responsible for their percentage of fault. So, if they are each 50% liable for the accident, each insurance company only has to pay you for 50% of the value of your claim.

• Hopefully, both Jeff and David both have a good amount of BIL coverage. You don’t want one of them to have a huge policy limit, and the other to have a small BIL limit.

• Why don’t you want one car (in the accident) to have a high insurance limit and another to have a low limit?

• Because there likely won’t be enough insurance to pay for the fair value of your personal injury case. I am still using the facts from the example above.

• Let me explain. Let’s assume that the other car (David) has a $1 million bodily injury liability (BIL) insurance limit. But Jeff only has $20,000 in bodily injury liability (BIL) coverage in his GEICO auto insurance policy.

• (Let’s assume that you don’t own a car.)

• Since you are badly injured, and Jeff is 50% at fault, his insurance company (GEICO) will likely pay you the $25,000 policy limits quickly. Here, they’ll probably do this once they get a record or bill showing that you’ve had screws and a plate put in your body.

• You can also make a personal injury claim against David’s insurance company. But since David is only 50% at fault, his insurance company only owes you 50% of the full value of your case. We’ll assume that your out of pocket medical bills are $50,000. We’ll also assume that your forearm heals well.

• If you’re case is worth between $200,000 and $250,000, David’s insurance company, David’s insurance company only owes you half of that. Again, this is because David was 50% at fault. Basically, David’s insurance company owes you around $115,000 or so.

• But this means that you won’t be fully compensated for your case. While David’s insurance company paid you the fair value of David’s responsibility for your injury, Jeff’s insurance company (GEIC0) will only paying you $25,000 when you’re case against Jeff is worth $115,000.

• This is why you want both insurers to have a good coverage limit.

• Is there any hope for you in this scenario?

• Yes, perhaps Jeff lives with a relative who also had BIL coverage on his vehicle. That may pay you.

• You may want to ask Jeff to complete an form (affidavit) that tells you who he lived with and whether they have insurance coverage. Here is an affidavit that I may send to rental car driver (Jeff) in this scenario. I may change it based on the particular facts of the case.

• Is Bodily Injury Insurance Required on Florida Rental Cars?

• Possibly.  Some Florida rental car companies say that they’ll provide $10,000 in bodily injury liability (BIL) coverage.  

• For example, Sedgwick handles Avis and Budget’s car insurance. Sedgwick says that for Avis and Budget:

• “We will provide coverage up to Florida’s financial responsibility limits of $10,000 per person, $20,000 per accident, and $10,000 aggregate property damage for third party liability.”

• However, if the rental car driver has his or her own BIL coverage, then the rental car’s $10,000 BIL coverage does NOT apply. A Sedgwick BIL adjuster has told me this before.

• ESIS handles Thrifty’s claims.

• ESIS says that Thrifty provides $10,000 in bodily injury liability insurance. I assume Hertz does because I believe they are part of the Thrifty’s parent company.

• However, if the rental car driver has his or her own BIL coverage, then the rental car’s $10,000 BIL coverage doesn’t apply.

• Drivers who rent a car can elect (purchase) to Liability Insurance Supplement (LIS).

• LIS provides protection from liability for third party automobile claims.

• Let’s look at LIS insurance from one of the bigger rental car companies, Thrifty.

• Rental Car Companies Liability and Uninsured Motorist Coverage Chart

• This chart shows you how much insurance different rental car companies have. But before looking at the chart, it’s important to know that this coverage is optional.

• In other words, if the person who rented the car didn’t buy this optional coverage, then this rental car insurance won’t apply. Unfortunately, most people who live in the US and rent cars don’t buy this optional coverage.

• Your best bet is that the person who rented a car is from another country. In that instance, there is a much higher chance that they bought this optional coverage.

• The good news is that if the renter bought this optional insurance, the limits are usually much higher than most drivers carry.

• Which Injuries May Be Worth $1 Million or More?

• Some claims may be worth $1 million (or more). The most common cases that have a full settlement value above $1 million (or more) are if you’ve suffered one of the following:

• Also, the death of a minor child or spouse, or the death of a parent has a full settlement value of over $1 million.

• Why does a brain injury (with surgery) case have a full settlement value of over $1 million?

• First, the hospital charges may easily be over $500,000. Additionally, the neurosurgeon and other doctors will have high bills.

• But the bigger damage is for pain and suffering. Additionally, if the injured person was a big wage earner, that adds tremendous value. The past lost wage claim will be big. The future lost earning capacity claim may be even bigger.

• Rental Car Occupants Should Not Quickly Settle With the At Fault Driver

• Assume that the at fault driver has $50,000 in BIL coverage. Assume that the an injured rental car occupant has a brain injury and surgery. Here, the injured person’s claim is worth much more than the at fault driver’s $50,000 BIL coverage limit. In this instance, he or she should not quickly settle his or her injury case for $50,000 with the at fault driver.

• Why not?

• First, the injured person does not want to give up the right to make a UM claim. This can happen if the you don’t follow a particular UM claim procedure. The tourist can also lose his UM claim if the settlement release with the at fault driver’s insurer is poorly worded.

• Second, the injured person does not want to end up in Federal court. He or she wants to keep the case in Florida state court. There are many  advantages to keeping your case state court (instead of Federal court).

• Which Rental Car Companies Offer $100K in UM Coverage in Florida?

• Alamo Rent a Car and National Car Rental. If you rented a car from Alamo Rent a Car, hopefully you purchased Extended Protection (EP). EP is optional. It is not required.

• EP includes UM/UIM coverage for bodily injury and property damage in an amount equal to the minimum financial responsibility limits applicable to the Vehicle (the Primary Protection).

• EP also includes additional coverage through an excess liability policy, with limits for the difference between the statutory minimum underlying limits and $100,000 per accident.

• Again, Florida doesn’t have a minimum UM limit. Thus, Alamo’s UM limit is $100,000 per accident.

• Like Alamo’s EP insurance coverage is underwritten by Ace American Insurance Company.

• National Car Rental also offers $100,000 in UM coverage if the renter purchased Supplemental Liability Insurance (SLI).

• Does Avis or Budget Rent a Car Offer Uninsured Motorist Coverage?

• I’m not sure if Budget Rent a Car’s Supplemental Liability Insurance (SLI) includes Uninsured Motorist/Underinsured Motorist coverage.

• Budget’s website says that UM/UIM are not provided by the policy except in states where mandated by law up to maximum amount of $1 million in Florida or in such amounts as mandated by law.

• However, Florida doesn’t require UM coverage. Thus, I assume Budget’s SLI does not have UM coverage. However, I’m not sure.

• Avis’ website says that Additional Liability Insurance does not include UM/UIM coverage except in states where mandated by law up to maximum amount of $100,000 or in such amounts as mandated by law.

• Thus, I assume that Avis does not offer UM coverage in Florida.

• Some Other Rental Car Companies Don’t Offer UM Coverage (in Florida)

• Unfortunately, some Florida rental car companies don’t offer uninsured motorist coverage. This is true even if you purchase LIS coverage when you rent a car.

• For example, I’ve seen small (mom and pop) rental not offer UM coverage. Also, in Enterprise Rent a Car accident claims, Enterprise likely has no UM coverage. Similarly, Sixt Advantage Rent a Car doesn’t offer UM coverage.

• Basically, if you want to be able to make an UM claim for a car accident in Florida, don’t rent a car through Sixt or Advantage Rent a Car.

• Sixt Personal Accident Insurance (PAI) is underwritten by ACE USA.

• $10K for Rental Car Accident Settlement (Hertz Pays $2K)

• Olga was driving a car (vehicle 2 in the diagram) heading north on Interstate 95 (I-95).  Above, you can see the diagram from the actual Florida traffic crash report. She was driving in the first lane from the left shoulder of the road.

• The driver of Vehicle 6 stopped in the roadway after he ran out of gas.  The driver of Vehicle 3 and Vehicle 4 stopped for Vehicle 6. Hertz Car Rental owned vehicle 6.

• Juan, the driver of Vehicle 1, attempted to change lanes to avoid hitting vehicle 3.  However, vehicle 1 went directly into the path of Olga.  Olga then collided into the rear of vehicle 1 with her car’s right front.

• The motorcycle driver attempted to pass between Olga and vehicle 3.  This caused a sideswipe collision with the right side of Olga’s car.

• After the collision, the motorcyclist continued traveling northbound and collided into the rear of vehicle 4.  This caused both the driver and passenger to fly off the motorcycle.

• All the vehicles were removed from their final rest upon the reporting officer’s arrival with the assistance of the road rangers.

• Vehicle 6 vehicle was not involved in the accident.

• 3 Different Drivers Got Tickets for Moving Violations

• Juan received a ticket for improper change of lane, and pulling out in front of a vehicle. Florida Statute 316.085(2).

• Carlos, the driver of vehicle 5, got a ticket for careless driving. His vehicle was uninsured.

• The driver of vehicle 6 was charged with improper stopping/standing/parking.  He was issued a citation pursuant to Florida Statute 316.1945(1)(a).

• Olga suffered injuries to her back, neck and knees.  She received therapy for her spine and injections of Kenalog 40 mg 1cc plus Lidocaine 1% 2cc to her knees.

• She will continue to be treated on an as needed basis.

• State Farm insured the driver of vehicle 1.  We settled with State Farm for $8,000.  Again, Hertz Car Rental owned vehicle 6.  We settled with my client’s accident claim against the Hertz rental car driver for $2,000.  The total settlement was for $10,000.

• I represented the injured driver.  I knew her from before the accident.  However, when she initially called me to see if I could represent her, she mentioned that a criminal defense attorney, Aubrey Webb gave her my number.

• Thus, with the client’s (and the other attorney’s) consent, I listed him as co-counsel on our fee contract.  He received 25% of our attorney’s fee.

• A driver was cut off by a car on the expressway.  This forced her to crash into the car in front of her.

• Olga suffered injuries to her back, neck and knees.  She received therapy for her spine and injections of Kenalog 40 mg 1cc plus Lidocaine 1% 2cc to her knees.

• She will continue to be treated on an as needed basis.  State Farm insured the careless driver who was ticketed for causing the crash.  Hertz insured another car that was involved in the accident.

• State Farm paid $8,000 to my client to settle.  Hertz paid $2,000 to my client.

• Uninsured Motorist Insurance is Not Required on Florida Rental Cars

• You are not required to purchase uninsured motorist (UM) liability coverage when renting a car in Florida.  If you rent a car in Florida, you may have the option to purchase uninsured motorist (UM) coverage.

• I represented a foreigner (tourist) from Switzerland. He was in Miami for vacation. He rented a car from Alamo in Miami, Florida.

• To his surprise, when he rented the car, he purchased UM liability coverage. He was unaware that he purchased it.  The UM coverage was through Ace Insurance Company.  (Alamo tells the policy limits and the insurer name on its website).

• A car hit my client while he was a pedestrian in Coconut Grove, Miami-Dade County, Florida.  My client fractured his lower leg (tibia).

• Ace American Insurance Company paid me $100,000 in UM liability coverage.  Not too long ago, Ace bought Chubb Insurance Company.  (As you may imagine, I’ve settled personal injury cases with both Ace and Chubb.)

• An US customs and border patrol employee was driving the rental car that hit my client.  The government employee rented a car at Hertz.

• Philadelphia Insurance Company insured the Hertz rental car.  Again, the Hertz car struck my client.  Fortunately, Philadelphia’s policy had $100,000 in BI coverage.

• They paid the limits of $100,000.  I also sued the United States government.  In litigation, they paid $125,000.  The total settlement from all parties was for $325,000.  Here is a video about this settlement:

• This settlement is before deduction for attorney’s fees and expenses.  Most cases result in a lower recovery. It should not be assumed that your case will have as beneficial a result.

• If you did not purchase UM coverage for the rental vehicle, and you were not an insured under a separate UM policy, you may not be entitled to UM coverage.

• Here are some interesting personal injury settlements for foreigners (tourists) who are injured in Florida.

• Will a rental car driver’s personal  Florida Uninsured Motorist liability policy cover a passenger?

• Possibly.  A rental car driver’s family auto UM insurance may cover a passenger. This is true if the renter’s family auto insurance policy is with a major insurance company. Examples of major insurance companies are GEICO, State Farm, Progressive, USAA, Travelers and many others.

• However, some non-standard (smaller) insurance companies are likely to exclude (not cover) passengers from UM coverage. Examples of smaller companies are United Auto, Responsive, Direct General and many others.

• Does Someone Who Isn’t a Resident Relative Get Uninsured Motorist Insurance?

• Maybe. Assume that Jeff lives and owns a car in Miami, Florida.  He has State Farm auto insurance.

• Jeff is driving a rental car in Hialeah, Florida.  Maria is a passenger.  Jeff has the right of way.

• David is driving another car.  David makes a left hand turn in front of Jeff.  They crash.

• David is at fault.  Maria’s wrist is fractured.  Maria makes a personal injury claim against David.

• David either is uninsured or only has $10,000 in bodily injury (“BI”) liability coverage in his GEICO auto insurance policy.

• Maria has Allstate car insurance.  Let’s assume that she does not have uninsured motorist (UM) coverage in her policy.  She rejected it when she purchased her policy.

• Maria’s case value may be greater than $10,000.  She thinks about making a claim with Jeff’s State Farm UM coverage.

• Will Jeff’s State Farm policy will NOT provide UM coverage to Maria?

• I’ve had a GEICO uninsured motorist adjuster tell me that GEICO’s UM coverage would cover Maria in this scenario. (However, GEICO will deny coverage if Jeff was driving the rental car as an Uber driver several days a week.)

• Also, the passenger may be insured under a separate policy with UM liability coverage.  Another policy providing UM coverage may insure Maria.

• Let’s take the above example except assume Maria is Jeff’s resident relative.  In that instance, Jeff’s personal UM liability coverage will cover Maria.

• Will the rental car’s insurance pay you if the rental car driver was drunk and injures you?

• In Florida, probably not. I’m referring to the fact that if the rental car driver purchased supplemental insurance coverage in Florida, and injured you while he/she was drunk, it likely won’t pay you money.

• Rental car SLI insurance doesn’t cover drunk drivers if the rental agreement says that the vehicle may not be used while the driver is under the influence of alcohol or drugs.  For the exclusion to apply, it must clearly say that driving under the influence of alcohol voids (or deprives) the drunk driver of coverage.

• The bad news?

• I imagine that most rental car agreements have this language.

• This was the main issue in the case of T.H.E. Ins. Co. v. Dollar Rent-A-Car Sys., Inc., 900 So.2d 694 (Fla. 5th DCA 2005).  This isn’t my case.

• Out of State Visitors Can Use PIP to Repay Medpay

• I’ve written a lot about claims for people from another state who are injured in a Florida car accident. Those people are usually in Florida for either vacation or work.

• If you are a visitor to Florida and you have Medical Payments benefits under your car insurance policy, then you may be required to repay your auto insurance company for the money (or some of) that they spent paying your medical bills from the Medpay portion of your personal injury claim.

• You would need to repay this money from the money you received in your settlement with the at fault driver. If you do not recover money against the negligent driver/owner, you do not need to repay your car insurance company.

• Check your car insurance policy to see if your insurance company can subrogate (try to recoup payments it made) from the at fault driver.  Check the statutes or case law for your state to determine whether your car insurance company can recover medical payments that it made.

• You can use the PIP insurance through the rental car company to repay your medical payments coverage. The rental car PIP insurance should pay 80% of the amount that your Medpay insurance paid or more.

• This does not apply to Florida car owners.

• Did someone’s carelessness cause your injury in a Florida rental car accident? Were you hurt in another type of incident?

• I want to represent you!

• Call us now at (888) 594-3577 to find out for FREE if we can represent you. 

• There are No Fees or Costs Unless We Recover Money. Call us 24 hours a day, 7 days a week, 365 days a year. We speak Spanish. We invite you to learn more about us.

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• Filed Under: Auto Accident Claims

• Comments

• Wilson says

• August 4, 2018 at 1:47 pm

• I live in Madrid spain. My rental car was hit from behind in I95 south near the Pontra Vedra exit. Of the 7 in the hertz rental car only my 15 year old daughter was affected She complains of a pain that comes and goes.

• I am confused as to what to do because of the PIP. I went to a doctor with her and they would not accept us saying they needed a claim from Hertz. I have an international policy ( AIG) that reimbursed me for damages in case of accident but cannot get a claim number till hertz gives me the claim. What do you recommend I do.

• Cheers,

• Wilson

• Justin Ziegler, Lawyer says

• August 4, 2018 at 2:08 pm

• Wilson:

• Thank you for your comment. I am sorry that your daughter was injured. However, I’m happy to hear that she is the only one who has been affected thus far.

• 1. Was the doctor that you went to located in Florida, or in Spain?

• The doctor wants the Personal Injury Protection (PIP) claim number so that the bills are properly processed by Hertz’ claim administrator or their insurer’s PIP department. Also, I don’t know whether the international policy would also provide PIP. I haven’t seen the policy.

• 2. Without seeing the international policy with AIG that you’ve mentioned, I don’t know the benefits of that policy.

• 3. How much damage was there to the vehicles involved? 4. Who insured the driver of the car that hit your rental car? 5. Did your daughter take an ambulance to the hospital?

• Your daughter should get medical treatment if she needs it. She can go to the emergency room at a hospital, or urgent care.

• In order for Florida PIP insurance to pay the doctor, the injured person must get medical treatment within 14 days of the accident.

• You can call me at 305-661-9977 and let me know the date of the accident. I answer the phone 7 days a week.

• If you prefer, you can email me. My email is jz [at] jzhelps.com I am using the [at] symbol here instead of @ so that I don’t get spammed by bots.

• If you email me, please include photos of the damage to the vehicles involved, and answer the above questions.

• Please note: My reply is written for general information only. Individual cases demand individual treatment. I am not your lawyer. My reply is not intended as legal advice or opinion. You should speak with a lawyer immediately. There is a time limit to sue.

• John O. says

• June 18, 2019 at 1:39 pm

• Hello:

• I live in NYC and will be renting a car in Florida for a week and do not own a car nor have auto insurance.

• The last time I rented a car in Florida I was told that I was required to purchase insurance by the agent in the rental center. I disagreed but ultimately purchased it as he wouldn’t stop arguing about it.

• Am I required to purchase any insurance from the rental car companies in Florida?

• If not, how do I handle it without causing an argument. Do I reference, Chapter 324 of the Florida Statutes? Thank you.

• John O.

• Jay says

• October 9, 2023 at 11:22 pm

• Mr. Ziegler:

• I have been following you on YouTube for a long time, thank you for such great informative videos. I was hit by a driver in a rental car last April who did not stop, he sideswiped my car not doing a lot of damage but when he hit me my left arm was against the window and it pushed the glass against my arm and I started experiencing pain and numbness in that arm.

• Apparently, after doing physical therapy and chiropractic care they are telling me I have Ulnar nerve damage in my left arm. He ran from the scene but I got his plate and the police made a hit-and-run on him.

• What do most ulnar nerve injuries settle for with and without surgery?

• The driver was in a rental car from Enterprise, I wasn’t taken to the hospital but got seen a day after the accident, he did about $1400.00 of damage to my car.

• Justin Ziegler, Lawyer says

• October 12, 2023 at 5:25 pm

• Hi Jay:

• Thanks for watching my Youtube videos for a long time. I truly appreciate it.

• In regards to ulnar nerve injuries, I haven’t done a jury verdict search in some time so I don’t know the usual pain and suffering settlement value in Florida.

• I hope that you don’t need surgery.

• Thank you for your question. You should quickly speak with a lawyer in the state where the accident happened.

• I wish you good luck. Most importantly, I hope that you feel better.

• Sincerely,

• Justin “JZ” Ziegler Florida rental car accident lawyer

• Disclaimer: My reply is written for general information only. Individual cases demand individual treatment. I am not your lawyer. My reply is not intended as legal advice or opinion. You should speak with a lawyer immediately. Your case is subject to one or more statutes of limitation. In other words, your lawsuit must be filed within a certain period of time or be forever barred. Because of this, it is very important that you consult with an attorney immediately. All my Youtube videos are for general information only and are not legal advice. My Youtube videos, comments and replies only apply to claims for accidents in Florida, which is where I’m licensed.

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