When driving a rental car, it is natural to be more careful than when driving a car you own. But if the unexpected happens and you get involved in an accident while driving a rental car, what is the next step to take should you find yourself in this unwanted situation?
Accidents are stressful, and dealing with one in a rental car can add an extra layer of complexity. Knowing what to do immediately after the accident and in the days that follow can make a significant difference in how smoothly the process unfolds.
This guide will walk you through the crucial steps to take if you find yourself in a rental car accident, ensuring you handle the situation efficiently and minimize any potential complications.
What Kind of Insurance Covers Rental Car Accidents?
Different types of insurance coverage offer coverage for rental cars, and if you understand the types, you will have no problem getting sufficient coverage and protection if something happens. Here are some of the types of insurance that you can get coverage from if you have them:
- Credit card car rental insurance.
- Personal auto insurance of the rental driver.
- Insurance bought through the auto rental company.
If you have any of these forms of insurance, you might get coverage during an accident with a rental car.
What to Do If You Have a Rental Car Accident
It can be very stressful when you experience a rental car accident, but if you already know the basic safety procedures, you will have no problem handling the situation. If you don’t want to worry, here are some helpful tips:
• Stay calm
The first and most important thing to do after a rental car accident is to stay calm. Take deep breaths and do not let your mind wander far.
• Check for injuries
Next, you have to check for injuries to yourself, your passengers, or the other parties involved. Call emergency services if anyone is injured, and seek medical assistance. If it is possible, move the rental car to a safer location or the side of the road to avoid further accidents and traffic.
• Exchange information
Exchange insurance and contact information with the other party involved and take down details like the names, phone numbers, addresses, license plate numbers, insurance policy numbers, and driver’s license numbers.
• Document the scene
It is important to take videos and photos of the accident scene, as it is essential for legal purposes and insurance claim filing.
• Contact the rental company
Reach out, notify the rental company, and report the accident. Follow their instructions for this type of situation. You will also get an accident report form to fill out. Do so and enter the required details about the accident.
• Cooperate with authorities and insurance companies
Be honest and transparent about the information and details you are giving the police, your insurance company, or your rental company. Cooperate with them during the inquiry or investigation process.
What to Do If You Were Not at Fault for an Accident in a Rental Car
If you ever find yourself in a rental accident where you are not responsible for it or not at fault, there are important steps that you need to follow to overcome this type of situation. For example, you need to understand your responsibilities and rights, gather evidence, and comply with the authorities in charge.
How to Prepare for Possible Accidents in a Rental Car
This process can be seen as a precautionary procedure, as it prepares you for emergencies and unexpected accidents. Here are the steps you can follow to begin:
- Check your rental agreement.
- Buy additional insurance.
- Examine the car.
- Drive carefully.
- Equip yourself with emergency supplies.
- Have an idea of what to do in the event of an accident.
- Adhere to the procedures of the rental company.
Taking these precautions is very important, and being prepared can help you stay calm in any situation.
Frequently Asked Questions
Does my personal car insurance cover rental cars?
The answer to whether your personal car insurance covers rental cars depends on your quote or policy. This is because some personal car insurance quotes offer coverage for rental cars sometimes, but it is important to check your policy or ask your insurance provider for more details.
What types of insurance are offered by rental car companies?
Liability insurance, collision damage waiver, and loss damage waiver are insurance types provided by rental car companies to car owners or drivers. However, these insurance options differ in cost and coverage, so find out more about them before renting a car or vehicle.
Will I be liable for damages if I wasn’t at fault for the rental car accident?
You might not be personally responsible for any damage if you are not at fault for the accident. Nevertheless, provide correct information and work with the authorities to make sure that everything is sorted out fairly.
