Aulsbrook Law Firm - January 2019

WHAT TO DO AFTER A RENTAL CAR ACCIDENT Avoiding Rental Ruin

We all know we need auto insurance for our personal vehicles. But when it comes to rental cars, many people decline supplemental coverage. They assume that because they will only have the car for a short period of time, they don’t need to worry about insurance. In some cases, this is fine, as your current auto policy may already cover you. But that’s not always the case. If the driver has the wrong coverage — or no coverage at all — this can lead to big costs following an accident. If you are driving a rental car and get into an accident, what should you do? At the scene, your first priority is to get your bearings and get medical care. Once you call the police and first responders, and if you are not badly injured, be sure to photograph the scene, including the damages to the cars and the site of the accident. Get contact information from the other driver and any witnesses, and cooperate with the police when they arrive. Just for Laughs

After you leave the scene, notify the rental company. Your paperwork should outline what to do in the event of an accident. Follow their instructions to the letter. This can

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mean the difference in whether procedures go smoothly or if the company takes you to court for damages. Additionally, be sure to see your doctor to follow up on injuries you may have received. MONTSERRAT O S WA L D

If you caused the accident, liability coverage pays out for injuries or damages to other people involved, but it may not cover damage repairs to the rental. If you carry full or collision coverage, these policies may pay out for rental repairs. If you lack any coverage, the rental car company may file a lawsuit against you to recover associated costs. Some credit card companies offer collision coverage when you use their card to rent a vehicle. Most rental car companies, at an additional cost, offer a collision damage waiver when renting a car. This waives your liability when it comes to repairs to the rental, though you may have to pay to cover the company’s loss of income while the car is out of service. If the other party is liable for the crash, the claim generally proceeds like a typical car accident claim. The responsible party’s liability insurance covers your medical bills, lost wages, and other losses. It should also cover repairs to the rental.

If you have questions about rental coverage, please call Legal Insurance Agency at 817.618.6381.

INSPIRED BY DELISH

PEANUT BUTTER AND BERRY FRENCH TOAST

INGREDIENTS

• • • • •

8 slices brioche, 1/2-inch thick 1/4 cup creamy peanut butter

• • • • •

2 cups cornflakes

2 tablespoons unsalted butter

2 large eggs

2 cups mixed berries

1/8 cup heavy cream

Powdered sugar, to sprinkle Maple syrup, for serving

2 teaspoons pure vanilla extract

DIRECT IONS

1. On a large baking sheet lined with wax paper, place 4 slices of brioche and spread 1 tablespoon of peanut butter on each. Cover with remaining slices, creating sandwiches. 2. In a pie plate, beat eggs with cream and vanilla. In another, coarsely crush the cornflakes. 3. Lightly soak sandwiches in the egg mixture, then dredge in cornflakes, pressing to adhere. Return to baking sheet. 4. In a large skillet over medium heat, melt 1 tablespoon butter. Once melted and up to temperature, add sandwiches, cooking on one side until golden and crisp, about 2–3 minutes. 5. Return sandwiches to baking sheet, add remaining butter, and repeat on other side. 6. Top sandwiches with berries, sprinkle with powdered sugar, and serve with maple syrup.

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