What If You’re in a Car Accident While Pregnant?
What If You’re in a Car Accident While Pregnant? If you’re in a car accident while pregnant, call emergency medical
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.
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.
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:
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:
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:
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:
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:
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:
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:
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.
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.
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:
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:

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:
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.
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.
You need someone who practices in this state, knows the local insurers and judges, and understands how rental car insurers defend these cases firsthand.
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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.
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 Graves Amendment generally protects rental companies. However, two exceptions restore their direct liability:
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.
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.
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.
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.
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.
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.
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.
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.
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 Type | Typical 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.
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:
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.
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.
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.
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.
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.
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.
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.
What If You’re in a Car Accident While Pregnant? If you’re in a car accident while pregnant, call emergency medical
Who Pays After a Tire Blowout Accident? The party responsible for causing a tire blowout car accident in Florida may
How Did Florida’s 2023 Tort Reform Change Claims? Florida’s 2023 tort reform (House Bill 837), signed on March 24, 2023,
Can Social Media Hurt Your Injury Claim? Yes, social media can hurt your car accident claim if your online activity
What to Do About a Lowball Offer After a Car Accident? If you receive a lowball offer after a car
How Much of My Settlement Will a Florida Car Accident Lawyer Take? Most Florida car accident lawyers take 33⅓% to
Car Accident on I-4 in Orlando: Who’s at Fault? In a car accident on I-4 in Orlando, the driver who
Can You Stack Uninsured Motorist Coverage? Yes, you may stack uninsured motorist coverage in Florida if your policy allows stacking.
Does Health Insurance Cover Car Accident Injuries? Yes, your health insurance may cover car accident injuries after available auto insurance
What Are Your Options After a Road Rage Accident? After a road rage accident, you can seek compensation through insurance
Can You File a Diminished Value Claim in Florida? Yes, you file a diminished value claim in Florida after a
Can You Sue for a Defective Car Part After a Crash? Yes, you can sue for a defective car part
What If a Texting Driver Caused Your Crash? If a texting driver caused your car crash in Florida, you should
What Is the Average Settlement for a Concussion or TBI in Florida? The average settlement for a concussion or TBI
If You Swerve To Avoid an Accident, Are You at Fault in Florida? Yes, you can be at fault if
What Is Florida’s 51% Comparative Negligence Rule After a Car Accident? Florida’s 51% comparative negligence rule prevents you from recovering
Is Florida’s Car Accident Lawsuit Deadline Now Just Two Years? Yes, Florida now gives you two years to file most
What Is the Serious Injury Threshold to Sue After a Florida Car Accident? The serious injury threshold in Florida involves
What Should You Ask a Florida Car Accident Lawyer Before Hiring One? You should ask about the lawyer’s experience, case
Do Florida Car Accident Lawyers Charge Anything Upfront? No, most car accident lawyers in Florida do not charge anything up
Who Is the Best Car Accident Lawyer in Orlando? Todd Miner is one of the best car accident lawyers in
What Does a Florida Car Accident Lawyer Actually Do for Your Case? A Florida car accident lawyer investigates fault, gathers
Is It Too Late To Hire a Lawyer After Filing a Car Accident Claim in Florida? No, filing a car
Should You Hire a Local Orlando Lawyer or a Big Billboard Firm? Hiring a local Orlando law firm is usually
Should You Accept First Personal Injury Settlement Offer? No, you should not accept the first personal injury settlement offer. Insurance
What Is a Personal Injury Release Form? A personal injury release form is a legally binding agreement that settles your
Why Do I Need A Malpractice Specialist, Not A General Firm? You should hire a specialist because malpractice cases require
Can I Sue for Medical Malpractice if I Signed a Consent Form? Yes, you can sue for medical malpractice even
How to Choose the Best Personal Injury Lawyer, FL? Evaluate a lawyer’s experience, reputation, communication style, and proven track record
How Much Does a Personal Injury Lawyer Cost in Florida? In Florida, most personal injury lawyers charge a contingency fee,
What Is the Average Personal Injury Settlement in Florida? In Florida, the average personal injury settlement generally ranges from $3,000
Who’s the Best Medical Malpractice Attorney in Orlando? The best medical malpractice attorney in Orlando should have a strong record
Do I Need A Misdiagnosis Lawyer After A Wrong Diagnosis? Yes, you should hire a misdiagnosis lawyer when a wrong
When Should You Hire a Personal Injury Lawyer in Orlando? You should hire a lawyer if your injuries are serious,
How Are Personal Injury Settlements Calculated? Personal injury settlements are calculated by evaluating the full value of your medical expenses,
How Long Does a Personal Injury Settlement Take in Florida? A personal injury settlement in Florida usually takes 3 months
How Do I Find A Medical Malpractice Lawyer Near Me? To find an experienced medical malpractice attorney, call Todd Miner
When Should I Call An Orlando Medical Malpractice Lawyer? You should call an Orlando medical malpractice lawyer immediately if a
How Much Does a Medical Malpractice Lawyer Cost? In Florida, most medical malpractice lawyers work on a contingency fee basis.
Should I Settle or Go to Trial for a Medical Malpractice Case? You should settle when the offer fairly covers
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