Car Accident in a Rental Car: What you Can Do

Posted on : July 21, 2020

Before you rent: 

Imagine being on vacation, finally relaxing from months at work, renting a car, and driving without a care in the world…next thing you know, you get into a car accident. We know it is not a pretty picture, but it is an important subject to address, as safety should be a priority in everyone’s mind. To be prepared at all times, you must be ready to spend some time looking at your rental contract details and talking to your representative.

Here are some of the things you’ll need to consider before you rent a car: 

  • Talk to your car rental representative about insurance coverage. In most U.S states, car rental companies are obliged to provide at least basic coverage for all of their vehicles. Even though you might think this is enough, it could be to your advantage to inquire about specific coverage such as collision, liability, personal accident insurance (like PIP), and personal effects insurance, which covers your belongings in the car. 
  • If you are using a credit card to rent the vehicle, inquire about the coverage provided by your credit card company. Many times, this insurance will serve as a backup for your personal injuries, property, and liability. 
  • Check with your private insurance company about rental car coverage. This could also supplement the one you are required to get from the rental company and save you a lot of money and headaches if you have an accident.

With all of these three options, remember to be thorough, ask the right questions, and read the fine print. Rental car accidents can take complicated turns and leave you with vast amounts of debt. 

What do you do at the time of the accident?

First, follow the basic accident guidelines, like staying at the scene, calling emergency services, taking pictures of the damage and the scene, exchanging information with the other parties involved, and getting witness accounts. 

After completing the basic accident checklist, call your rental car company and notify them of the accident. If the car is driveable, find out where you should take it for repair or inquire about their preferred towing method. 

Call your insurance and file a claim as soon as you can. Many insurance companies will deny the claim if it is not done right after the accident. Do not wait to do this. 

Finally, Call Path at 1-800-411-PAIN and get the help you need! We will refer you to the attorneys that will fight to get you the compensation you deserve and the medical attention you need. If you have been hurt in an accident, Call Path at 1-800-411-PAIN, and we will guide you in finding you the best medical and legal professionals. Rental car accidents can be very stressful and confusing, we are here to help!

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