What Happens After an Accident in a Rental Car?
If you were involved in a crash in a rental car, it is important to take appropriate steps to protect your rights.
You will need to follow many of the same steps as you would in an accident in your own vehicle when you are involved in an accident in a rented vehicle. However, the main difference is often who is responsible for the damages.
Right after an accident takes place, it is important to check for injuries, move to safety, call the police, take pictures of the scene, gather witness statements, and exchange personal and insurance information with the other driver involved.
However, after you complete all of those steps, things begin to differ. If you did not purchase extra coverage for your rental vehicle from the rental company, it may be difficult to determine who exactly is responsible for the damages. You may be on the hook financially even if you were not at fault in the accident.
If you insured the vehicle with the rental company and paid for the excess coverage, then in many cases you are covered,.
Nevertheless, many individuals do not pay for this extra coverage, so keep reading to learn who may be responsible for the claim.
Who Pays for Damages Sustained in Rental Car Accidents?
First off, you need to call the car rental company and your insurance agency to notify them of the accident that has occurred. They should provide you with some level of guidance as to where to take the car now that it has been damaged crashed.
Unfortunately, the rental car company will most likely state that you are on your own in terms of determining how to pay for the damages, so we are here to help.
The two main inquires you should make in order to determine how to cover the damages sustained to the rented vehicle are to your personal car insurance, and your credit card company.
Depending on your auto insurance policy you may have rental coverage, and depending on your credit card company, you may have coverage of rental vehicles as well.
Doing your research here will determine what you are responsible for paying out of pocket versus what is covered by insurance.
Personal Car Insurance
If you own a vehicle, then you know it is the law to carry valid car insurance. Depending on your policy, your coverage may offer what the rental car company’s liability coverage provided in terms of protection for comprehensive and collision coverage. If you carry this type of protection, your auto insurance company should cover the costs of the collision.
Credit Card Company Rental Insurance
If you rented a vehicle using one of the major credit cards, you most likely automatically received car rental insurance. You will need to research the terms of your agreement to determine if your credit card company will pay for any or all of damage that befell your rented vehicle.
If you were injured as a result of a motor vehicle accident, Chaffin Luhana may be able to help you. Contact the law firm today for a free case review.