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Dealing with a rental car accident is the last thing you want to do while on vacation. But between driving a car that doesn’t belong to you and exploring an unfamiliar road, don’t ignore the possibility that a car accident could happen to you.
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If Someone Hits Your Car Does Their Insurance Pay
In many ways, settling a rental car accident is similar to what you would do if you had a collision in your own car. But with these important advantages, you must know some of the disadvantages as well.
What Happens After An Accident
While it may sound common sense, make sure everyone in the car is OK before doing anything else. Inspect the scene and other vehicles involved.
As with any accident, ride on the sidewalk safely if possible. If the accident becomes more serious, call 911 immediately if someone is injured. And if there is a danger of any explosion, clear the area.
Once you have determined that the scene is safe, exchange contact information and insurance information with other parties involved. The information to be changed should include:
If the relevant authorities are to be prepared, show them your license, vehicle registration card, proof of financial responsibility and your current address.
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When communicating with other parties involved in the accident, do not tell the other driver or the police that the accident was your fault (even if you think it was your fault). Be polite, but avoid making statements like “I’m sorry” or “I should have been more careful” because it can be used against you later, which sometimes results in no protection against the insurance company. Instead, use phrases like “How are you?” Show empathy without admitting mistakes.
If the other party is hostile, it may be best to wait for the police to arrive before joining. You don’t want to end up arguing with the driver and other passengers.
Be careful to engage with other parties. Do not sign any statements about the mistake or promises to compensate the other party, and if you are asked to pay for your damages or your deductible, do not sign anything.
Importantly, try not to tell the other party that you are driving a rental car because some people may try to take advantage of the situation and put the blame on you.
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Take time to gather details about the accident. Write notes (using the note function on your phone will do) and take a number of free photos.
While the steps listed so far mostly reflect the same steps you would take if you were driving your own car, a rental car accident requires a little extra paperwork.
As soon as possible, call your car rental company and let them know about the accident. There is often an emergency number sticker located on the glove box or the emergency number listed on your car rental contract.
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Ask the company how to proceed. The car rental company usually asks you to fill out their own version of the accident report, which usually contains the same information you collected above.
If you rely on your existing car insurance policy to serve as your primary source of insurance, inform them of the accident to establish a claim for damages.
For example, if your deductible is $400 and you received $10,000 in damages, you will have to pay the first $400 in repairs and your insurance company will cover the rest. Be sure to tell your insurance company about any additional insurance you purchased with the lease.
Know what your claims cover, what your insurance company may cover and what the car rental company may cover. If you booked your rental car with a credit card that provides car insurance, it can also help pay for some of the damage to the rental car in the event of an accident.
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Collision damage: If you have your own insurance policy with comprehensive collision and insurance coverage, it usually extends to your rental car as well. If your normal policy doesn’t cover it, you may want to consider purchasing collision damage coverage from your car rental company. Otherwise, you will have to pay for the damage.
Damage to others: If you already have liability insurance, it usually extends to rental cars as well. Otherwise, you can usually purchase additional liability coverage from a rental agent that will cover damage you do to someone else’s car or property.
Don’t rely on your credit card for this card. Although some credit cards offer rental car insurance, they usually don’t cover debt insurance. If you do not already have car insurance, it is usually a good idea to buy one – otherwise you could be involved in the costs of medical treatment and repair of other parts involved in the accident.
Potential extra days in car rental: If you do not have rental insurance on your contract, you may still owe the rental company for extra days, as if you had always rented a car. If the car takes a week to repair, that could be an extra week you have to spend “renting” the car. You can usually avoid this cost by purchasing additional insurance or accident insurance from your car rental company.
Can I Just Keep Cash From A Car Insurance Payout And Not Make The Repair?
Primary insurance is a type of insurance that starts first if you file a claim. Some insurance policies provide full coverage in the event of an accident, as long as you pay the premium, which means it covers both the cost of the car you crashed (if you were at fault) and damages in the rental car.
Secondary insurance can cover fees and charges that your primary insurance policy does not cover, such as your deductible. Even if you are using secondary insurance, you still need to file this primary insurance claim, which can cause your coverage to increase.
Some credit cards, like the Chase Sapphire Preferred® and Chase Sapphire Reserve®, offer primary insurance — a generous benefit that can easily justify the card’s annual fee, since it generally means you won’t need to make a claim. Insurance companies.
If your card provides primary insurance, you will normally have to decline the collision damage waiver or similar insurance provided by your car rental company for the applicable primary insurance, otherwise the insurance will be Secondary.
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Many other travel credit cards offer secondary insurance. This can still be a money-saving benefit if you have an accident, even if it is not very generous.
Keep in mind that most credit card travel rental insurance does not cover special vehicles such as RVs or luxury cars, loss or damage covered by your own car insurance, long-term rentals or overseas rentals.
Even if you are at fault, you still have to pay your deductible directly to the rental company because the company has the right to repair the car as soon as possible. Your insurance company will then be responsible for the subsequent liability of the parties that may cause you to receive compensation.
It’s not one of the happiest things to plan for when you’re planning a fun trip, but having a plan for how you’re going to handle potential accidents in a rental car will be worth it in a different way. Actually go on vacation to deal with it.
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Find out if your credit card provider offers rental car insurance. Despite the annual fee, charging your rental car to a credit card that offers high or better insurance coverage can end up saving you money.
Consider purchasing your own rental car insurance. If your existing insurance policy does not cover rental cars and you do not want to purchase insurance from a car rental company, there is a third option: Purchase rental car insurance through a third-party car insurance company such as Allianz Global Assistance or Bonzah. . .
Make sure you have some type of insurance. No matter where you get your insurance, you must have some type of insurance to drive in the United States. If you are involved in a collision while uninsured, your license is likely to be suspended.
One more thing: this guide generally only applies to traditional passenger cars. For truck and tuk tuk rentals – say you’re looking for U-Haul insurance – standard rental principles may not apply.
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Your primary car insurance usually extends to your rental car if you are using it for personal use, but it depends on the policy. Any insurance limits and deductibles listed as part of your primary insurance will also apply to rental cars.
Some credit cards offer rental car insurance in case of an accident or
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