A car accident involving a rental vehicle can be a confusing and stressful experience. Many people are not familiar with the specific procedures that apply in such situations, which can add to the uncertainty. Knowing what steps to take can help protect your interests and minimize complications.
Who Should Be Notified After a Rental Car Accident?
If you are involved in an accident with a rental vehicle, you should contact several parties as soon as possible. First, report the incident to local law enforcement. Police reports can serve as valuable documentation, particularly when determining liability. You should also inform the rental car company about the accident. Most companies require prompt notification and will provide instructions on how to proceed. Additionally, your personal insurance provider should be contacted to determine whether your policy covers rental vehicles. If another party is involved in the accident, exchange insurance and contact information with them as well.
What Insurance Covers a Rental Car Accident?
Several types of car insurance cover rental accidents:
- Personal auto insurance policies often extend coverage to rental vehicles, but you should verify this with your insurance provider.
- Many credit card companies also offer rental car coverage if you use their card to book the vehicle.
- Rental car companies typically offer optional coverage at the time of rental, including collision damage waivers or liability insurance.
Your coverage will depend on whether you choose or decline coverage when setting up the rental. If you do not have credit card or rental car company coverage, you may be personally responsible for repair costs or damages. It is important to review your insurance policies before renting a car to understand your options.
How Should I Document the Accident?
Thorough documentation is an important step after any car accident. Begin by taking photographs of the scene, including the vehicles, any visible damage, and road conditions; note if there are any traffic cameras.
Collect contact and insurance information from any other drivers involved, as well as contact details for witnesses. Record the names and badge numbers of any responding law enforcement officers, and ask for a copy of the police report. Keeping a written record of your recollection of the events leading up to the accident can also be helpful.
What if the Other Driver Was at Fault?
If the other driver is determined to be at fault for the accident, their insurance should cover damages to the rental vehicle and any medical expenses for injuries. You may need to coordinate with their insurance company and provide the necessary documentation, such as the police report and repair estimates.
The rental car company may charge you for damages upfront and seek reimbursement from the other driver’s insurer, depending on the terms of your rental agreement.
Can I Continue to Use the Rental Car?
That depends on the extent of the damage and the rental company’s policies. If the vehicle is no longer drivable, the rental company will typically require you to return it and may provide a replacement. If the damage is minor and the vehicle is still operational, the rental company may allow you to continue using it. Always consult with the rental company to understand their requirements in this situation.
Chester County Car Accident Lawyers at Eckell Sparks Skillfully Represent Clients in Rental Car Crash Cases
If you were involved in a rental car accident, contact the Chester County car accident lawyers at Eckell, Sparks, Levy, Auerbach, Monte, Sloane, Matthews & Auslander, P.C. for help with your claim. To schedule an initial consultation, submit our online form or call our Media or West Chester, Pennsylvania office at 610-565-3701. We proudly serve clients in Delaware County, Chester County, and Montgomery County.