Hurt in a Rental Car Crash That Wasn't Your Fault? Call an Orlando Rental Car Accident Lawyer

Rental car crashes are different. You’re suddenly fighting three or four insurers at once, and one of them often belongs to a driver who has already left the state. Todd Miner Law represents rental car accident victims across Orlando and Central Florida, including out-of-state visitors hurt while on vacation at Disney, Universal, or anywhere in Central Florida

Our lead attorney, Todd Miner, previously defended Avis, Dollar, and Budget, so we know exactly how rental car insurers evaluate and fight claims. Call 407-894-1480 to speak with an Orlando rental car accident attorney.

Hurt in a Rental Car Crash That Wasn't Your Fault? Call an Orlando Rental Car Accident Lawyer

Rental car crashes are different. You’re suddenly fighting three or four insurers at once, and one of them often belongs to a driver who has already left the state. Todd Miner Law represents rental car accident victims across Orlando and Central Florida, including out-of-state visitors hurt while on vacation at Disney, Universal, or anywhere in Central Florida

Our lead attorney, Todd Miner, previously defended Avis, Dollar, and Budget, so we know exactly how rental car insurers evaluate and fight claims. Call 407-894-1480 to speak with an Orlando rental car accident attorney.

Excellent
Todd Miner Law4.9
Based on 988 reviews
I had a great experience with Todd Miner Law Firm. I was in a car accident the beginning of 2026 and the team took over everything so I could focus on my journey to healing and recovery. Mr. Mark Ahrens and Stephanie Velez were such great help throughout the process. I hope I won’t have a need for them again, but if I did, I would not hesitate reaching out to them.
Excellent service will work with them again thank you Courtney
I have had the most positive experience working with Todd Miner after my car accident. Specifically, Mark Ahrens has been a major help to me, I couldn’t recommend them more. Thank you for supporting me through this process!
Today I had the opportunity to speak to Todd Minor and let me tell you this man knows his stuff. He was very transparent and gave me guidance that not even Morgan and Morgan could do. This man is very unique and seems very skilled if I were you, I would hire him immediately.
Mr Miner and his attorneys are the best ever so communicative Brandon and Evonne are phenomenal they are a professional law firm I would not choose no other!I am very happy;
really nice lawyer and very helpful
I highly recommend Todd Miner Law for any of your legal needs. From the moment I spoke with Mr. Miner on the phone and all the wonderful work done on my case by attorney Mark Ahrens Esq and his paralegal Stephanie, I know I was in good hands. They cared very much about my well-being and communicated that was above everything they were working on for me, was that I healed and became well from my car accident. No job too little or too small! I am very pleased working with this law firm for over a year too. I hope I don't need them in the future; however, if I do, I know I will be asking them to represent me again.
Todd was nice, he took the time to talk to me for 20 minutes or so to help guide me in the right direction, I was recently in a car accident and it’s not major, and I was practically clueless to the steps I should take. After talking to me I now know more than before. He was very helpful with information I may need for my situation.
Mark Ahrens and Stephanie Velez were splendid in handling my case. I was absolutely pleased with their sincere efforts in getting the right result.
I WAS TREATED WITH RESPECT AND IMPORTANCE. THAT MEANS A LOT TODAY! I RECIEVED THE MAX ALLOWED AND COULDNT HAVE GOTTEN ANY MORE ANYWHERE ELSE. THESE GUYS ARE TOP SHELF AND I HIGHLY RECOMMEND THEM! THE BEST AROUND, HANDS DOWN. IF I'M EVER IN NEED AGAIN, THEY'RE MY GUYS NOW! THANK YOU, TODD MINER LAW! THEY ALSO NETWORK ANIMALS IN NEED. LIKE US. GOTTA LOVE THAT HEART! ❤️
We were involved in an escalator accident in the Atlanta airport. I had seen the commercial quite a few times, but I was never in a situation where I needed one. Last night I was chatting about this online, which I thought was a bot. It was not just a bot. it was not, it was Attorney Miner himself. The chat was to go to the walk-in clinic for the pain and to call his office to speak with Elina after we were home. I spoke with Elina, and she couldn't have been more patient with me, and so sweet and wants to be sure she gets all the answers for us. Since our accident was in Georgia, we need to have an attorney in Georgia. Attorney Miner is going to make a personal call to an attorney in Georgia himself! When I was chatting last night, I asked who I was communicating with, and it was Attorney Miner himself. I hope I never need an attorney, but if I did or anyone I know, I will always refer to Attorney Miner. You will be in good hands with Elina! If we could give more stars, we would. Thank you, Attorney Miner and Elina!
After learning my car was deemed a total loss and the driver at fault did not have enough money in property damage to cover my claim, I truly believed I was going to be losing a significant amount of money for an accident I didn't cause. Todd Miner changed my perspective completely. Todd Miner is your person to guide you through auto accident claims and make sure you are getting what's rightfully owed to you. He personally assisted me in making sure I was asking the right questions and using the correct verbiage to ensure I wasn't being taken advantage of by any insurance policies involved. I had no idea I had other options to explore, but Todd provided super clear information on how to navigate these tricky insurance claims. He saved me $$$$ (no exaggeration) all while providing easy and stress-free interactions. Todd Miner Law values their clients like none other I've experienced. Thank you, Todd!
There are a lot of commercials out there for law offices that "care", or are "looking out for YOU"....let me tell you, Todd Miner is the real deal. I called at 3:30 on a Friday afternoon before a three day holiday weekend, because after being hit from behind by a driver who had trash for insurance, their insurance company as well as my own insurance company were pressuring me to quickly agree to items before the long holiday weekend, and none of the outcomes offered were remotely acceptable. Mr. Miner himself took my call after I gave details to his very friendly and compassionate associate, and for 35 minutes on a Friday afternoon when most people would be bolting out of the office for the holiday weekend, he gave me help when he had nothing to gain from it. Other firms we called either ignored us or blew us off because they didn't have anything to gain by taking our case. If I or anyone I knew needed a personal injury attorney, calling this law firm is the first phone call I would make.
I really appreciate that Todd personally took the time of day to speak with me on the particulars of my case and advise different avenues to pursue, thank you so much!
Thank you for Attorney, Mark and Stephanie for working on my case settlement. They had done a great job for me.
Thank you to Mark Aaron's and Ms Stephanie with my case. I was hit from behind by a car with minimal insurance. I wasn't looking for a bunch of money, I just wanted the doctors paid and it would make me happy. They took care of all the bills and I still got a check. I thank you again for all of the time spent on my case and talking to me. I give them 5 stars
Mark Ahrens was super helpful and helped me through the whole process as well as Stephanie, overall 5 stars treatment
Mark Ahrens was recommend by a friend to me. I appreciate that he took the time to answer my questions. He was also personable and friendly Great experience!
I would like to thank Attorney Todd Miner for handling the accident cases for both my wife and me. We truly appreciate everything he and his team have done for us. They kept in touch throughout the process and guided us every step of the way, making everything much easier to understand. If you ever need help with an auto accident case, I highly recommend Attorney Todd Miner.
I’m very grateful to Mark Ahrens and Stephanie Velez-Raghunandan at Todd Miner for their work on my hit-and-run case. From the beginning, they stayed persistent and didn’t give up, even when things weren’t straightforward. They kept me informed throughout the process and handled everything professionally. I truly appreciate their dedication and would recommend them to anyone needing reliable legal help.
I would like to take a moment to recognize Courtney Escoffery, Pre-Suit Paralegal at Todd Miner Law, for the outstanding service provided throughout my case. Although Courtney was assigned a couple of months into my case, the level of professionalism, communication, and consistency shown from the very beginning of our interaction was truly exceptional. Every question I had was addressed promptly, and I was kept informed with regular updates, which made the entire process feel smooth and reassuring. Courtney’s dedication and attention to detail made a significant difference in my experience. I always felt supported and confident knowing my case was in capable hands. From start to finish, the service provided was nothing short of phenomenal. I am sincerely grateful for the care and effort that was put into handling my case. Thank you for making what could have been a stressful experience feel manageable and well-handled.
I had an amazing experience with Todd Miner Law after my hit and run accident. From start to finish, they made the entire process smooth, stress free, and handled everything professionally. A special thank you to Mark Ahrens and Stephanie for always keeping me updated and making sure I understood every step. They truly care about their clients and go above and beyond to get the best results. Thanks to them, I was able to receive my settlement without any headaches. I highly recommend Todd Miner Law to anyone who needs a reliable and dedicated legal team. Thank you again for everything!
Mr Miner took his time with explaining my options, even though my case can't be helped. I will take that advise. Thank you.
Priya Ramrattan and the team at Todd Miner Law took great care of me during a very challenging time. They showed genuine respect and care for me during the time they were taking care of my legal representation. I would not hesitate to recommend them to anyone, or use them again should I ever need legal representation in the aftermath of an accident. Ed Vasconez
I would like to say thank you to Chris McGuire, Trenton Swan, and the rest of Todd Minor Law Firm team. Thanks to them I feel like my life is back on track where it was supposed to be before the accident. If I could give them 10 stars I would.
Good communication, and I had LOTS of questions. Chris was very patient, professional and knowledgeable. He made the whole process less traumatic. Well above a mere 5 stars.
Highly recommend this legal team! After the accident we were understandably overwhelmed, but working with this team made all the difference. They were responsive, organized, and truly dedicated from start to finish. Special shout out to Chris Mcquire and Todd Miner. Everyone was always professional, easy to reach, and incredibly supportive throughout the entire process. They made sure nothing fell through the cracks and kept everything moving smoothly. My family and I couldn’t be happier with the outcome. If you want a team that’s reliable, attentive, and gets results, this is the one to go with. Definitely a 5-star experience!
Excellent service! Very professional, attentive, and reliable. I highly recommend!
Excelente, me sentí muy cómodo!! Siempre me informaron sobre el caso hasta que llegó el final.
Five stars for Tod Miner Law! Ivonne was amazing to work with, she was extremely responsive and kept me informed every step of the way. They successfully got me the max settlement for my car. I’m very happy with the outcome and the level of service I received.
I texted him with a question and he called back in minutes. He took time to answer my question! He is a no- nonsense guy. Straight forward answers. If I ever need him I will hire him. Thanks
I was very impressed and happy with their handling of my case. Mr. Todd Miner called me back personally to discuss my options after I left a message on their voicemail. Mr. Mark Ahrens handled my account with empathy for me. Stephanie worked diligently on my case and medical bills. I cannot say enough good things about Todd Miner Law. If thank them for all their hard work on my behalf.
I was in an auto accident in January 2026. I contacted the Todd Miner law firm the same day of the accident. Within 5 minutes Todd Miner was on the phone with me and took almost 30 minutes out of his Saturday to speak to me about the accident. Following my conversation with Todd I had the opportunity to work with Mark Ahrens and Stephanie Velez and they went above and beyond to get everything taken care of. They answered all of my questions, kept me informed with updates, and streamlined the entire process in a way I wouldn't be able to do myself. Dealing with insurance companies can be a complex and difficult process that takes considerable time and effort. Mark and Stephanie handled everything and allowed me to focus on recovering from my injuries. I'm thankful for their help and while I hope to never be in another accident again, if I am, I wont hesitate to reach out to them again.
I simply went to Todd Miner's website and competed a text message on my situation. Todd (himself) called me and spent 20 minutes discussing my situation even though he isn't representing me. That is unbelievable that in today's society someone is actually willing to help and listen!! If there was a 10 star rating I would give it to him. Easily understood and the advice was solid. Thanks Todd for your time and help! It was truly needed.
Todd Minor is a stand up man, he's honest, fair, very protective of his clients and professional. I had a case with him regarding my minor & during the inquiry process he reached out himself multiple times assuring me that we would be in good hands & I'll just say this he himself holds good on his promises & commitment.
I was referred to Tod Minor Law by a friend of mine, and was very glad i followed through with them for my auto accident claim. Chris was the head communicator for my claim and arranged everything for my rehab and chiropractor appointments. highly reccomend!
I contacted this law office after I was involved in an accident, and I’m very glad I did. From the beginning, everyone was attentive and patient, taking the time to listen carefully to my situation. The paralegal, Stephanie, was especially kind and kept in regular communication with me throughout the process. Both she and the attorney, Mark, clearly explained what to expect, which helped ease my worries. Since this was my first injury case in Florida, their guidance made a big difference and allowed me to focus on my recovery. My case did take some time, but in the end, I was able to receive compensation for the accident. When I met Mark in person, he was a true gentleman who genuinely cares about his clients. I highly recommend this law office!
I am giving Todd Miner Law five stars – the most one can receive in these reviews. If it were possible, I would score his firm much higher, based on my personal experience with him and his team. Without going into great detail, I was struck by a car and my left leg was injured. After being treated at the local ER, along with other instructions, I was advised to follow-up with my Primary Care Physician. It was when I attempted to make that appointment that I quickly learned my doctor, and many others, will not treat vehicle accident patients. This made getting the treatment I needed after leaving the ER a struggle at best. That’s when I decided I needed help, and I reached out to Todd Miner’s office. In less than 30 minutes, Todd Miner himself called me. He listened to me and then told me he and his team would take good care of me … and they did. I think it was that afternoon that Mark Ahrens, Esq. reached out to me. In less than a week, thanks to their help and intervention, I was seen by a Physician who ordered the tests necessary to determine exactly what was wrong with my leg and what treatment I needed. Unfortunately, the test results showed surgery was required. Throughout this process, surgery, weeks of physical therapy, follow-up appointments, etc. Marc and his team were with me every step of the way. My well-being and recovery were as much a priority for them as it was for me. They consistently communicated with me - keeping me updated and informed as my case moved forward. I also have to commend Stephanie Velez-Raghunandan who works with Marc. She too was in constant communication with me and quick to respond to any questions or concerns I had. Todd Miner and his team exceeded my expectations. Calling his office was the best decision I could have made for myself and my family. I highly recommend Todd Miner Law. Todd and his team really are “on your side” and will take great care of you.
Hi, I have to say that Mark Ahrens and Stephanie, his assistant, were excellent helping me with my settlement. They fought hard for me for which I am grateful and I highly recommend them.
Stephanie and Mark were great. They worked extremely hard on my case and kept me informed every step of the way..
Trustworthy, honest, experienced. Communication at the start was lacking, but toward end it got better.
As a criminal defense lawyer who owns his own firm, I have referred many of my clients to Todd Miner who needed a personal injury attorney. Todd is an amazing lawyer and has an incredible staff. His office personnel is extremely friendly and professional. What I respect about Todd the most is I can text or call him on a Saturday afternoon, And he will immediately respond. He will call the potential clients himself right away and tell thoroughly evaluate their cases. I highly recommend him and his team of exceptionally talented lawyers and support staff!!!
Mark Ahrens at Todd Miner Law Firm was extremely knowledgeable, helpful, and professional throughout the entire process. He took the time to answer all of my questions thoroughly and made sure I understood every step. I truly appreciated his expertise and would highly recommend him to anyone in need of legal assistance.
My experience in March 2025 with Attorney Todd Miner was very good! His staff, Jennifer was always supportive and helpful, eager to answer questions or concerns. I would highly recommend this attorney office. Blessings continuously to this Attorney office and staff.
Thank you for helping me in the past with the employer who left me in the hospital injured, alone, and unwilling to take care of my hospital bills.
I am writing this review of Todd Miner Law so the public can get a perspective of an actual client’s experience following a car accident. My wife and I were hit by a driver resulting in our car rolling over two times. Medical questions aside, the trauma of the legal aspects after this accident were troubling. Being new to the state of Florida, we had no legal representation. One only has to watch television to see the various alternatives that are available to you. That being said, Todd Miner was the one that showed an interest in assisting us no matter what the possible outcome might be. To be honest, we were sort of lost in all the details that started to arise and needed help. Todd Miner came to the rescue. Attorney, Mark Aherns and his assistant, Stephanie Valez-Raghunandan were terrific in handling all the details that needed solved. My wife and I are grateful for their assistance; without them we would never have been able to reach this point of conclusion. Thank you, Todd, Mark, and Stephanie. We recommend them highly to anyone in need.

Why Choose Todd Miner Law for Your Orlando Rental Car Accident Case? 

Todd Miner Law brings 30+ years of courtroom experience and has recovered over $100 million for injured clients. Our lead attorney previously defended major rental car companies, so we know how their insurers evaluate and fight claims.

Rental car cases are not like standard auto accidents. They involve federal law, layered insurance policies, and corporate defendants with experienced legal teams. You need a skilled attorney who has worked on both sides.

Todd Miner spent years representing major rental car companies and now uses that experience to help victims of rental car accidents. When Hertz, Enterprise, or Turo is on the other side, you want a lawyer who knows their playbook.

A few of our successful case results include:

  • $4.3 million — drunk driving fatality
  • $1.4 million — fatal motorcycle crash on I-4
  • $1.2 million — head-on collision requiring two surgeries
  • $750,000 — out-of-state visitor injured in an Orlando crash

While our rental car accident attorneys coordinate multiple insurers and preserve time-sensitive evidence, you focus on recovery. That care shows in our client reviews.

When you hire Todd Miner Law, you also gain:

  • Direct insider knowledge of rental car insurance defense tactics
  • Immediate action to preserve rental contracts, surveillance footage, and other critical evidence
  • A contingency fee arrangement — you pay nothing unless we win your case

Why Choose Todd Miner Law for Your Orlando Rental Car Accident Case? 

Todd Miner Law brings 30+ years of courtroom experience and has recovered over $100 million for injured clients. Our lead attorney previously defended major rental car companies, so we know how their insurers evaluate and fight claims.

Rental car cases are not like standard auto accidents. They involve federal law, layered insurance policies, and corporate defendants with experienced legal teams. You need a skilled attorney who has worked on both sides.

Todd Miner spent years representing major rental car companies and now uses that experience to help victims of rental car accidents. When Hertz, Enterprise, or Turo is on the other side, you want a lawyer who knows their playbook.

A few of our successful case results include:

  • $4.3 million — drunk driving fatality
  • $1.4 million — fatal motorcycle crash on I-4
  • $1.2 million — head-on collision requiring two surgeries
  • $750,000 — out-of-state visitor injured in an Orlando crash

While our rental car accident attorneys coordinate multiple insurers and preserve time-sensitive evidence, you focus on recovery. That care shows in our client reviews.

When you hire Todd Miner Law, you also gain:

  • Direct insider knowledge of rental car insurance defense tactics
  • Immediate action to preserve rental contracts, surveillance footage, and other critical evidence
  • A contingency fee arrangement — you pay nothing unless we win your case

Can You Sue Hertz, Avis, or Enterprise? 

Generally, no, not just because they own the vehicle. The federal Graves Amendment shields rental companies from lawsuits based purely on vehicle ownership.

However, you can sue them directly in two situations: when they put a poorly maintained vehicle on the road, and when they rent to someone clearly unfit to drive. Beyond a direct claim against the rental company, you can recover from several other sources, including:

  • The at-fault renter’s personal auto insurance
  • Supplemental Liability Insurance (SLI) purchased at the counter
  • The renter’s credit card secondary coverage
  • Your own uninsured motorist (UM) coverage

What If the At-Fault Driver Left the State?

This happens more often in Orlando than most victims realize. Out-of-state drivers often fly home before the police report is even finalized. We move quickly to track down every applicable policy, even after the at-fault driver has left the state. 

In addition, international drivers also tend to carry minimum or no liability insurance by U.S. standards, which is why your own UM coverage is often the most reliable recovery source.

We immediately secure:

  • The rental contract and rental company records
  • The renter’s home-state or home-country insurance details
  • Any credit card coverage used to rent the vehicle
  • Police reports, surveillance footage, and witness statements

What If You Were Hit in a Turo Crash?

Turo accidents are not handled like Hertz or Avis cases. Turo positions itself as a peer-to-peer marketplace rather than a rental company. As a result, Florida law applies differently, and the question of which insurance covers your injuries becomes far more complex.

These cases require quick investigation because:

  • Coverage depends on the host’s protection plan
  • The host’s personal insurance rarely applies
  • Victims often discover coverage gaps only after a denial
  • The same issues apply to Getaround and HyreCar accidents

Our firm has handled peer-to-peer rental cases since Turo entered the Florida market. We know where coverage is hidden, how to challenge denials, and how to identify each party that shares responsibility for your injuries.

Why You Need a Local Rental Car Accident Attorney?

If your accident happened in Florida, your case must be handled by a Florida-licensed attorney. The at-fault driver’s insurance is regulated here, the police report is filed here, and any lawsuit must be filed in a Florida court.

An out-of-state lawyer cannot represent you in those proceedings.

You need someone who practices in this state, knows the local insurers and judges, and understands how rental car insurers defend these cases firsthand.

Can You Sue Hertz, Avis, or Enterprise?

orlando car wreck lawyer for rental carsGenerally, no, not just because they own the vehicle. The federal Graves Amendment shields rental companies from lawsuits based purely on vehicle ownership.

However, you can sue them directly in two situations: when they put a poorly maintained vehicle on the road, and when they rent to someone clearly unfit to drive. Beyond a direct claim against the rental company, you can recover from several other sources, including:

  • The at-fault renter’s personal auto insurance
  • Supplemental Liability Insurance (SLI) purchased at the counter
  • The renter’s credit card secondary coverage
  • Your own uninsured motorist (UM) coverage

What If the At-Fault Driver Left the State?

iStock 2272019844This happens more often in Orlando than most victims realize. Out-of-state drivers often fly home before the police report is even finalized. We move quickly to track down every applicable policy, even after the at-fault driver has left the state. 

In addition, international drivers also tend to carry minimum or no liability insurance by U.S. standards, which is why your own UM coverage is often the most reliable recovery source.

We immediately secure:

  • The rental contract and rental company records
  • The renter’s home-state or home-country insurance details
  • Any credit card coverage used to rent the vehicle
  • Police reports, surveillance footage, and witness statements

What If You Were Hit in a Turo Crash?

central florida rental car accident law firm

Turo accidents are not handled like Hertz or Avis cases. Turo positions itself as a peer-to-peer marketplace rather than a rental company. As a result, Florida law applies differently, and the question of which insurance covers your injuries becomes far more complex.

These cases require quick investigation because:

  • Coverage depends on the host’s protection plan
  • The host’s personal insurance rarely applies
  • Victims often discover coverage gaps only after a denial
  • The same issues apply to Getaround and HyreCar accidents

Our firm has handled peer-to-peer rental cases since Turo entered the Florida market. We know where coverage is hidden, how to challenge denials, and how to identify each party that shares responsibility for your injuries.

Why You Need a Local Rental Car Accident Attorney?

iStock 2226507804If your accident happened in Florida, your case must be handled by a Florida-licensed attorney. The at-fault driver’s insurance is regulated here, the police report is filed here, and any lawsuit must be filed in a Florida court.

An out-of-state lawyer cannot represent you in those proceedings.

You need someone who practices in this state, knows the local insurers and judges, and understands how rental car insurers defend these cases firsthand.

Why Are Rental Car Accidents So Common in Orlando? 

Orlando is the busiest rental car market in the country. Millions of visitors land at MCO every year and start driving on unfamiliar, heavily congested roads within minutes. That combination of jet-lagged tourists, fast Florida highways, and rental vehicles produces serious crashes daily.

The most dangerous areas for rental car accidents in Orlando include:

  • I-4 Through Downtown: One of the most dangerous interstates in the United States by injury rate, with merge points and lane shifts that catch out-of-town drivers off guard.
  • The 408 East-West Expressway: A 70 mph toll road with sudden exits and SunPass-only lanes that visitors rarely notice in time.
  • International Drive: Heavy pedestrian traffic and tourists making last-second turns near hotels, restaurants, and attractions.
  • The I-4 / 408 Interchange: A high-volume merge that confuses drivers unfamiliar with the lane structure.
  • Disney and Universal Exits: Drivers slowing to read overhead signs while managing in-vehicle distractions.
  • MCO Rental Car Center Exits: Just-landed visitors in an unfamiliar vehicle, navigating the GPS within minutes of leaving the airport.

The sooner you bring in Orlando rental car accident lawyers who know these roads and the insurers behind these crashes, the stronger your claim will be.

What Types of Rental Car Accident Cases Do We Handle?

Every rental car accident brings its own challenges. Our experienced Orlando rental car accident lawyers handle a wide range of claims, including:

Hit by a Tourist Driving a Rental

This is the case we handle most often. A driver flies in, picks up a Hertz at MCO, and rear-ends you on I-4 within hours of landing.

We know how to track down out-of-state policies, secure the rental contract before it disappears, and apply pressure to the renter’s insurer before they have time to build a defense.

You will not be left chasing an out-of-state driver alone.

Hit by a Local While Driving Your Rental

A Florida driver hit you while you were on vacation, and now you are home, dealing with insurers you have never heard of.

We take that off your plate. Your home policy, your credit card coverage, and the at-fault Florida driver’s insurance all need to be stacked correctly, and that is what we do every day.

You Were Driving the Rental When Hit by Someone Else

Your recovery depends on stacking every available policy: the at-fault driver’s policy, your own UM policy, your personal auto policy, and any rental coverage you purchased.

Most firms miss at least one. We do not.

In addition, Florida drivers are not even required to carry bodily injury coverage, so this layered approach is often the difference between a small payout and a substantial one.

Passenger Injured in a Rental Car Crash

Passengers have the strongest cases in rental car accidents, but most also make the costliest mistake: signing something at the hospital.

Before you sign a waiver, give a recorded statement, or accept a quick offer, call us.

We have recovered substantial settlements for passengers who were almost convinced they had no case.

Rear-End Rental Car Collisions

Most of these crashes happen at I-4 exits and during congested rush-hour traffic. The at-fault driver almost always blames a sudden stop or claims the impact was minor.

Our rear-end accident attorneys secure traffic camera footage, dash-cam recordings, and witness statements before they disappear. We know how to counter every excuse insurers use to undervalue these claims.

T-Bone Rental Car Crashes

Side-impact collisions cause some of the most serious injuries we see. Liability often comes down to traffic signal data and witness accounts, and both are time-sensitive.

Our T-bone accident lawyers move on the same day you call us to lock down the evidence that wins these cases.

Head-On Rental Car Collisions

These crashes are catastrophic, and they almost always involve a wrong-way driver, often impaired or disoriented.

Our head-on collision attorneys have handled fatal and life-altering cases, pursuing every available policy and, where the conduct warrants it, punitive damages on top.

Rental Car Rollover Accidents

These crashes typically come down to vehicle condition: worn tires, ignored recalls, and prior collision damage.

That is where Graves Amendment exceptions kick in, and where the rental company itself becomes liable. Our rollover accident attorneys know exactly how to find this evidence and use it.

Rental Car DUI Accidents

When an impaired driver caused your crash, your case is worth significantly more than a standard claim. Florida law allows punitive damages, and the rental company may share liability if it had any reason to suspect the renter was impaired at the counter.

Our DUI accident attorneys recently recovered $4.3 million for a family in a fatal DUI case. We know how to build these claims for maximum recovery.

Hit-and-Run Rental Car Accidents

When a rental car driver flees the scene, finding them is faster than in standard hit-and-runs because rental companies maintain detailed records of every renter.

Our hit-and-run accident attorneys work with law enforcement to identify the contract holder. If the driver cannot be located, we pursue your UM coverage aggressively.

Rental Car Accidents Involving Rideshares

These cases are layered: Uber/Lyft commercial coverage, rental car insurance, and personal policies all stack on top of each other. Coverage depends on whether the rideshare driver was logged in, en route, or actively transporting a passenger.

Our rideshare accident attorneys coordinate all of it to maximize your recovery.

Who Can Be Held Liable After a Rental Car Crash?

Up to six different parties can be held liable in a rental car case: the at-fault driver, the renter, the rental company, the driver’s employer, a Turo or peer-to-peer host, and any third-party driver involved.

A thorough investigation often uncovers more defendants than a victim ever expected, which is what separates a small payout from a substantial one.

The At-Fault Driver

The driver who caused the crash is usually the first defendant. Their personal auto insurance covers your medical bills, lost wages, and other damages up to the policy limits.

The Renter

If the renter allows an unauthorized person to drive, they may share liability under negligent entrustment. Their personal policy may also extend to authorized drivers, opening another way for compensation.

The Rental Car Company

The Graves Amendment generally protects rental companies. However, two exceptions restore their direct liability:

  1. Negligent maintenance — bald tires, worn brakes, ignored recalls, or unrepaired prior damage caused the crash.
  2. Negligent entrustment — the company rented to someone with a suspended license, an obviously impaired customer, or anyone clearly unfit to drive.

When direct liability applies, the company’s commercial coverage carries far higher limits than any individual policy. We subpoena maintenance records aggressively whenever there is any sign of mechanical failure.

The Driver’s Employer

If the at-fault driver was using the rental for work, the employer may be vicariously liable. The Graves Amendment protects rental companies, not employers.

When the rental was used for work, we review the employer’s policies, payroll records, and travel logs to build the strongest possible claim on your behalf.

The Turo or Peer-to-Peer Host

In Turo, Getaround, and HyreCar cases, the host who listed the vehicle may share liability. This applies if they failed to maintain it or knowingly handed it to an unfit driver.

The host’s insurance, the platform’s protection plan, and the guest’s policy may all come into play.

A Third-Party Driver

If a drunk driver, distracted motorist, or commercial vehicle caused the crash, their liability insurance becomes your primary recovery source. This holds true regardless of who was driving the rental.

Identifying every defendant is how we maximize your recovery. Call 407-894-1480 for a free case review and a clear strategy for your case.

Which Florida Laws Can Impact Your Rental Car Accident Case?

Three Florida laws shape every rental car claim: PIP no-fault insurance, modified comparative negligence, and the two-year statute of limitations.

The federal Graves Amendment, covered in the liability section above, is the fourth piece. Each one directly affects how much you can collect and how fast. 

1. Florida’s No-Fault (PIP) Insurance

Florida requires every driver to carry Personal Injury Protection (PIP) coverage. PIP pays the first $10,000 of your medical bills and 60% of lost wages, regardless of who caused the crash.

Your PIP coverage stays with you no matter what car you are driving. That means it applies whether you are in your own car, a friend’s car, or a Hertz rental.

Furthermore, you must seek medical treatment within 14 days of the crash to qualify for PIP benefits, as outlined in Florida Statute § 627.736.

If your injuries meet Florida’s serious injury threshold, you can pursue claims against the at-fault driver and any other liable party beyond what PIP covers.

2. Modified Comparative Negligence Rule

Florida’s modified comparative negligence rule reduces your compensation by your percentage of fault.

If you are 50% or less at fault, you can still recover damages reduced by your share. If you are more than 50% at fault, you collect nothing.

Insurers push hard on this rule. We gather solid evidence and challenge unfair blame to keep your assigned share as low as possible.

3. Two-Year Statute of Limitations

You have two years from the date of the crash to file a personal injury lawsuit in Florida. The deadline was shortened from four years to two by HB 837 in March 2023.

The same two-year deadline applies to wrongful death claims.

Miss it, and you lose the right to sue, no matter how strong your case.

How Much Is Your Rental Car Accident Case Worth?

Most rental car cases settle between $5,000 and $1 million. Severe injuries, head-on crashes, and DUI cases reach the highest end. The multiple coverage layers in these claims often allow for higher total payouts than
standard auto accidents.

Injury TypeTypical Settlement Range
Minor injuries (sprains, bruising)$1,000 – $20,000
Whiplash and soft tissue injuries$5,000 – $30,000

Broken bones
$30,000 – $85,000

Back and neck injuries
$20,000 – $100,000
Traumatic brain injuries$100,000 – $1,000,000+
Wrongful death$500,000 – several million

However, your actual case value depends on factors such as the strength of your evidence, the policies available, the conduct of the at-fault driver, and the skill of your attorney.

For a free, no-obligation evaluation of what your case is worth, call 407-894-1480.

How Insurance Companies Try to Lowball Rental Car Claims

Insurance companies undervalue rental car claims using five main tactics. They delay between competing policies, dispute liability, downplay your injuries, request recorded statements, and push for fast settlements.

These cases give them more opportunities to delay rental car claims than any other type of auto accident.

The most common tactics they use include:

Shifting Blame Between Multiple Policies

A typical rental car crash involves five layers of coverage: the renter’s auto policy, counter-purchased SLI, credit card secondary coverage, the rental company’s required minimum, and your own UM/UIM.

Insurers send your claim back and forth. Each one insists that another policy is primary. The result is months of delay and pressure to accept less settlement. 

Disputing Liability

Insurers argue you were partially at fault, especially when the at-fault driver is from out of state and unavailable to give their version.

Comparative negligence means anything they can pin on you reduces your payout. They push hard on this from day one.

Downplaying Your Injuries

Adjusters claim your injuries are not serious. They argue your injuries existed before the crash. They use gaps in your treatment to suggest the injuries are not real.

Without solid medical documentation, these arguments stick.

Requesting Recorded Statements

Insurers ask for a recorded statement within days of the crash. They then twist your words to imply fault or minimize your injuries.

Politely decline until you have spoken to an attorney.

Pushing Quick, Low Settlements

Adjusters offer fast settlements before injuries have fully developed. Once you sign a release, the claim is closed for good.

Many serious injuries take weeks or months to fully manifest. That is why a fast settlement often costs you tens of thousands of dollars in unreimbursed care.

We know every one of these tactics. We also know how to shut them down. When you hire us, all communication with insurers goes through our office, and your claim moves on our timeline, not theirs.

Get the Help You Need from a Rental Car Accident Lawyer in Orlando

A rental car crash leaves you with serious injuries, mounting medical bills, and pressure from multiple insurers trying to limit your claim. The right attorney makes the difference between a quick lowball offer and the full compensation you deserve. 

Todd Miner Law represents rental car accident victims throughout Central Florida, including Orlando, Kissimmee, Lake Buena Vista, Winter Park, Altamonte Springs, Sanford, Lake Mary, Apopka, Ocoee, Winter Garden, Celebration, and Saint Cloud. We also represent out-of-state visitors who have already returned home.

Our lead attorney, Todd Miner, previously defended major rental car insurers. We know exactly how they evaluate, fight, and settle these cases.

With over $100 million recovered for injured clients and 30+ years of courtroom experience, we have the track record to back our approach.

Call 407-894-1480 or visit us at 915 Outer Rd, Orlando, FL 32814  for a free consultation. You pay nothing unless we win your case.

FAQs

Return the vehicle as scheduled, but do not sign anything beyond the standard return paperwork. Do not give a recorded statement, accept any offers, or fill out their internal accident forms without speaking to an attorney first.

No, not if you were not at fault. Your personal auto rates may rise only if you caused the crash. Pursuing a claim against the at-fault driver does not raise your premiums, and any coverage you purchased from the rental company itself does not affect your personal policy at all.

Most cases settle in six months to two years, depending on the severity of your injuries and whether liability is disputed. Cases involving multiple insurance policies or out-of-state defendants often take longer. We push for the fastest possible resolution that still protects your full recovery.

Yes. A police report strengthens your case, but is not required to file a claim. We can reconstruct what happened using witness statements, surveillance footage, photos, and any physical evidence at the scene.

You may have a workers’ compensation claim in addition to a personal injury case. We coordinate both tracks to make sure your medical care, lost wages, and pain and suffering damages are fully recovered.

Rental Car Accident Lawyer - Blogs

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