I Just Had An Accident In A Rental Car……Now What?
Of course, we are all hoping that you will never need this information. There are a few things to do both before the accident as well as after to make sure that this issue is handled in the best possible way.
The first thing that you need to do is find out exactly what you are insured for prior to renting your vehicle. Most times you will be covered under your personal vehicle insurance or Credit Card Company, you should know what and how much is covered. If you feel that you are not covered to a level that is comfortable, then it is a wise choice to take the additional renters insurance that is offered by the rental company. This insurance can cost you as little as $10.00 a day, but it is worth the investment should an accident occurs.
As soon as the accident occurs, call the police first to file an incident report. You should do this from where ever you are at the time of the accident and try to leave the vehicle in the position it was in when it was hit. Then call the rental car agency and report the accident. Do not admit any liability for the accident to the car rental company and do not offer to pay or settle the incident without the consent of the company themselves.
Any information that is relevant to the accident, from repair receipts to the police report, should be copied so that you can save one set for yourself and hand one to the rental company. You will also need to cooperate with the insurance company and give them any information that will assist them with settling their claim.
If you are relying on your personal insurance policy for insurance, or your credit card company then you need to contact both of these companies as well at the time of the accident as well as any further information or paperwork you receive regarding this matter. Then be sure to follow up with all companies involved often so that you are not surprised to be hit with a bill that they have never paid. It is important since still the ultimate liability lies with you.
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