The Keating Firm has been purchased by Kisling, Nestico & Redick, a personal injury law firm serving all of Ohio. Visit Site >
top of page
  • Writer's pictureBrad Keating

What Happens If You Crash A Rental Car?

Driving a rental car requires insurance coverage to maximize potential benefits. Everything from liability coverage to a damage waiver can result in protection for a personal state of mind. The main reason to purchase insurance coverage is to get covered when vehicles are in a car accident. If someone is at fault in a vehicle accident, they need to cover liability for accident costs.

Anything can happen to anyone at any time. A vehicular collision can change anyone's circumstances since there are so many factors to consider. There are many questions one has to ask when stuck in such a situation; these require immediate answers.

What happens if there is a personal accident in a rental car? Accident coverage could depend on who is at fault and how much vehicle damage there is. Other factors include respective policies for the insurance company and rental car company.

All the necessary details are covered throughout this article. Crashing a car can be a traumatic experience physically, but it doesn't need to be mental. All it takes is peace of mind. Here is what needs to be known about rental car coverage.

Crashing a rental and my car insurance

Does Crashing A Rental Car Affect Insurance?

Vehicle damage can affect car insurance coverage. Premiums go up depending on additional insurance for the rental car, such as a previous accident. Rates are likely to increase since there is a personal claim for the insurance. While rental companies own the vehicle, it is the responsibility of the driver. Rates do not rise if there is no claim made with the insurance company.

Does Insurance Cover Liability?

Liability refers to a legal responsibility to pay for damages, while liability coverage protects the owner with a number of policies. It's important to have liability coverage from a primary car insurance or credit card company. Rental companies may not require one to pay for the rental car as long as the supplemental liability is sufficient.

Bodily injury and property damages are covered with liability insurance. It also helps pay for personal damages to the other cars. There are coverage limits with body and property damage, however. It depends on the car insurance themselves.

Insurance Policies

An insurance company is meant to protect someone from potential losses in the event of car damage. There are plenty of insurance policies in regard to a car rental, one of which is the damage waiver. A collision damage waiver is entirely optional, but it does provide coverage in the event of car damage. Any car rental company should offer a damage waiver for the car.

A rental car company with a collision damage waiver can also be used with any credit card. Rental insurance allows a credit card to cover the costs with annual fees, which depend on the credit cards and car rental business. A credit card can also build up points with a particular bank, so there are added benefits to using this particular method.

Insurance coverage also applies to any personal accident, so contact them immediately. The average costs of insurance range around $60 per day. There are also personal effects, which refer to items lost in an accident. Primary coverage covers all these protective measures.

Be mindful of any deductible, which can be used to pay for a number of report claims. A deductible offers more comprehensive coverage with primary benefits such as protection against damage. These have to be paid out of pocket before any rental car insurance does the rest.

Secondary Charges When Involved In The Accident

Should an accident take place with rental cars, the person at fault is liable to damage costs. Any damage to the rental car can result in different types of charges. The cost of car accident fees depends on the severity of the crash, which is decided by the rental car company.

Loss of use fees is particularly common for accidents. Rental car companies now have one less rental car in usage, so they have to cover the car. To make up missing revenue, a rental company may charge $20-40 per day. Diminution of value also lessens the worth of a rental car. The damage extent determines the fees for the rental car accident. A car rental must compensate for the diminished value, especially with a car accident in a rental.

Finally, there are administrative fees. When someone involved in the accident processes an insurance claim, the rental company can issue fees for vehicle damage. The cost could range from $50-150. Remember, these apply when the person involved is at personal fault for the car accident.

What To Do After A Car Accident

Make sure everyone is okay. Call 911 only if personal injuries occur. Exchange contact information with all parties and call the police. By sharing personal contact information, it's easier to make a claim for covered insurance protection. Take pictures of any damage from the vehicle crash and assess the situation with the local police. When there is an accident in a rental car, the parties involved should immediately contact the car rental company. Let them know what happened with the vehicle crash.

You may be wondering what happens if you don't report a car accident? Any police report made for the vehicle ends up on the person's motor vehicle record. It can result in higher insurance rates anytime someone wants to purchase new insurance coverage. Keep in mind it doesn't raise the current car insurance rates.

Afterward, contact the insurance company. Initiate a claim to gain benefits for credit cards. The auto insurance should cover medical expenses, so take advantage of insurance coverage for personal injury. It takes a number of days to process a claim with an accident report. Do it as soon as possible so the auto insurance can take care of the coverage. It also saves time and money in the long run.

If one can drive the vehicle despite the rental car accident, it should be driven back to the rental company office. However, if the rental car is too damaged, then call the rental company to tow the vehicle away. One can also use their credit card insurance to pay for accident coverage. Always have money on hand for emergency auto funds.

What Not To Do After An Accident

Never flee the scene of a vehicular collision. Driving away can lead to a misdemeanor or felony charge later. Stay in the location and call 9/11 to ensure the safety of everyone in the area. Make sure to always collect important personal information; forgetting to do so can slow down the coverage process. Get down a name, address, phone number, vehicle registration, and the insurance company.

Do not admit fault right away. Any declaration of such is caught on record, which can be used against them in the court of law. Maintain innocence and contact a lawyer soon afterward. They can go over the legal requirements of what to do in this situation. By doing so, one can receive compensation for all their troubles. Regardless of what actually occurs, let the lawyers do all the talking. How this affects your rental situation will be similar to how an accident affects a car lease.

Should anyone feel dizzy or disoriented, it's best to call paramedics just to be safe. Even if someone doesn't feel like they're hurt, they should never underestimate bodily injury. Health coverage goes a long way, but they need to take responsibility and check themselves into a hospital. Internal injuries are difficult to detect firsthand, so seek professional care immediately.

Important tips with insurance companies

Important Tips Regarding Insurance Companies

When dealing with a rental company, always stay one step ahead. Remember the procedures of the rental car company, including liability coverage and rental agreement. Write down personal names, contact information, and an emergency number in case of an accident report. It helps when writing down any report regarding vehicle damage, especially with all the parties involved.

Make sure to do research beforehand with either primary or secondary insurance coverage. A credit card only covers a limited amount of rental car insurance. Be mindful of the coverage limits within the credit card, such as a deductible. Always prepare to pay with credit cards to cover damage, since a credit card company might not pay for everything in the accident.

Without coverage, one must pay for it themselves with rental car insurance. Certain ones might only offer a collision damage waiver rather than liability coverage for property, however. The costs of a car rental company depend on factors like primary versus secondary insurance.

In Full Summary

Car insurance is a necessity to cover any costs of rental damage from a crash. If someone crashes a rental vehicle, they are liable to cover these costs. Expensive rates can be difficult to deal with, so be mindful of the types of coverage available. Coverage makes it a much easier process, so take care to find the appropriate coverage.

A vehicular collision can happen when someone least expects it. No matter the cause, it's important to stay one step ahead and be prepared for anything. Insurance coverage is a reliable method to get out of a financially tricky situation. Always do the research and be aware of available options.


bottom of page