Crashing your rental car. It’s basically everyone’s worst nightmare while they’re traveling or on vacation. Don’t worry! We’ve got you covered:
First, make sure everyone involved in the accident is okay. While you may be worried about how you’re supposed to handle the accident with the insurance company, it’s much more important that anyone who is injured goes immediately to the hospital. We recommend that you call the police to ensure you take down all the necessary information, and that a report is filed for the incident.
Much like a regular car accident, take the time to exchange information with the other driver, if another vehicle was involved. Get their driver’s license, insurance, address, car make and model, and their contact information. If you are able to, take photos of the scene, including your car and theirs.
Because each rental company is different with their policies involving accidents, call them first. They will be able to tell you who exactly you need to call to file the claim with insurance, as well as where you need to take the vehicle and how to proceed. It’s also crucial that you take the name of the representative you speak with from the rental company, as this information may come in handy later with your case. If you can, ask for their phone number and any other identifying information, as well as take notes on what they instruct you to do.
If you bought collision coverage through the rental company, the accident should be covered through it (unless it was due to reckless driving). However, this type of coverage does not include your medical expenses – these will need to be covered by your personal insurance.
If your auto policy includes rental car coverage, then you most likely don’t have much to worry about as everything should be covered. Ensure that your car is covered before you go on any trips so you don’t have to worry about this in the future.
Most rental car companies require you to have sufficient insurance for you to be able to rent a car. If you do decide to buy insurance through the rental company, we encourage you to take a look at the fine print to ensure you understand everything that it covers.
If you’ve been in an accident with a rental vehicle and have been battling unnecessary bills from the insurance or rental company, please give us a call! We would love to help. Know what to do – call Tad Morlan.