Getting into an accident is stressful, especially when it involves a rental car. Whether it’s a minor fender bender or a severe collision, knowing the proper steps to take is crucial to protect yourself, the rental car, and your peace of mind. In this article, we’ll highlight five things to do if your rental vehicle is involved in an accident to ensure you handle the situation calmly and efficiently.
Ensure everyone’s safety
Safety should be your top priority. If possible, move the vehicle away from traffic, and check if anyone has been injured. Call emergency services immediately if anyone requires medical attention.
Be sure to also file a police report even in a minor accident. A police report can help your car accident attorney when dealing with the rental company and determining who pays car costs in the insurance claim.
Contact your rental company
Once everyone is safe and you’ve contacted the authorities, notify your rental car company. Most rental agreements include an emergency hotline or detailed accident reporting instructions. Provide them with all necessary details, including the time, location, and accident description. The car rental company will guide you through their process, which may include arranging a replacement vehicle. Failing to report the accident promptly to the rental company can incur additional fees and complications, so prioritize this step.
Document the incident thoroughly
Take clear photos of the scene, including damage to all vehicles, the surrounding area, and any visible injuries. Record the license plate numbers, make, and model of all vehicles, and gather contact information from the other drivers. This includes their names, phone numbers, and insurance details. If there are any witnesses, get their statements and contact details. Having comprehensive documentation of the incident can protect you from potential disputes and streamline the insurance claim process.
Notify your insurance company
Contact your auto insurance provider as soon as possible to inform them of the accident to ensure a smooth claims process. Whether you’re covered under your personal insurance, the rental car’s policy, or a separate rental insurance plan, your provider can clarify what’s covered and what steps to take next. Notifying your insurer allows them to assess the damage, manage liability, and avoid delays in processing claims. Insurance companies also require accidents to be reported within a specific timeframe, and failing to do so could result in additional charges.
Follow-up with repairs and claims
After reporting the accident to the rental company and your insurance providers, follow up regularly to ensure that repairs are handled promptly. The rental company may provide a replacement car if the vehicle is deemed unfit. Keep track of any repair costs and charges that may arise and ensure the claim process is moving forward. Stay in touch with your insurance provider to ensure that all aspects of the claim are handled correctly, and follow any instructions regarding documentation or assessments needed for the claim to be finalized.
Endnote
Dealing with the aftermath of an accident involving a rental car does not have to be overwhelming. Ensure everyone’s safety, document the incident, contact your insurer and rental company, and follow up on repairs and claims to protect yourself and ensure a smooth process.
Photo by Chait Goli from Pexels
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