Houston, TX asked in Traffic Tickets for Nevada

Q: I got hit by another person while driving a rental vehicle

I got hit by another person while driving a rental vehicle, as the accident took place in a parking lot, the police asked me to visit the police station and file a report, now the rental company is saying i am responsible to pay for damages as the other person's insurance is not paying for the damages, it's been more than 10 months and they just called asking for money for damages, the other person hit me and I didn't had insurance, my credit card company had told me they will take care of the vehicle in case of accident, thus i declined the coverage from the rental place.

Now my credit card company is saying they won't pay anything as they are secondary insurance company and i need to speak with my insurance company where as I didn't had any insurance at that time.

Please advise.

Related Topics:
1 Lawyer Answer
T. Augustus Claus
T. Augustus Claus pro label Lawyers, want to be a Justia Connect Pro too? Learn more ›
  • Criminal Law Lawyer
  • Las Vegas, NV
  • Licensed in Nevada

A: In Nevada, when an accident occurs in a parking lot, it can be considered private property, so law enforcement may not complete a report at the scene. However, you did the right thing by going to the police station to file a report. Since you declined the rental company's coverage, your liability hinges on the agreement you have with your credit card company and the terms of their car rental insurance benefit. If they are claiming to be a secondary insurance provider, they typically come into play after your primary insurance has been exhausted. Since you didn't have primary insurance, the situation becomes complex. While the other driver was at fault, collecting from their insurance can be challenging, especially if they are disputing the claim. For personalized legal advice tailored to your unique circumstances, it's advisable to consult with an attorney.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.