Renting a car can be convenient until you are involved in an accident. If you have recently had an accident in a rental, you are probably wondering what happens if you wreck a rental vehicle with insurance. At Fox Injury Law, a trusted Columbus car accident lawyer often hears questions from clients trying to figure out their rights and responsibilities after rental car accidents. Below are some of the most common frequently asked questions.
What should I do right after a rental car accident?
First, make sure everyone is safe and seek medical help if needed. Then call the police to initiate an accident report. Exchange information with the other driver, including insurance and contact details. Notify the rental car company right away. Document the scene with photos and video if possible, and keep a copy of everything for your records.
Will my personal auto insurance cover damages to the rental?
Many personal auto insurance policies extend liability coverage and property damage protection to rental vehicles. However, this is not guaranteed, and the extent of coverage depends on your specific policy. Always confirm your insurance coverage before renting a car. If you are at fault, your insurer may handle the insurance claim, though you could still be responsible for out-of-pocket expenses.
What is a Collision Damage Waiver (CDW), and do I need it?
A Collision Damage Waiver (CDW) is optional protection offered by the rental agency that can waive your financial responsibility for repairs or damages to the rental car. While it is not technically insurance, it functions similarly. If you purchase a CDW, the rental car company usually will not hold you liable for repair costs after an accident. However, CDWs often exclude coverage for reckless driving, off-road use, or accidents involving unauthorized drivers.
Does my credit card offer any protection for rental car accidents?
Many credit cards offer rental car insurance as a benefit when you use the card to pay for the rental. This usually acts as secondary coverage, kicking in after your personal policy. Some premium cards provide primary coverage. Always check with your credit card issuer before your trip to understand what is included and how to file a claim through the credit card company.
What if I bought rental car insurance at the counter?
If you purchased rental car insurance through the rental agency, such as liability insurance, CDW, or personal accident insurance, these policies typically help cover damages to the rental, injuries, or property damage to others. However, these policies may have limits or exclusions. You may still need to file a claim through your personal insurance, depending on the situation and the type of coverage you selected.
Am I responsible for anything if I have insurance?
Even with coverage, you might still be liable for:
- Deductibles
- Costs not covered by your policy or the CDW
- Lost rental income for the time the vehicle is out of service
- Administrative fees charged by the rental car company
Insurance can reduce or eliminate your out-of-pocket expenses, but not always entirely.
How do I file a claim after an accident in a rental?
You may need to file a claim with multiple parties: your personal insurer, the rental agency, and possibly your credit card company. Be prepared to provide:
- The rental agreement
- The police report
- Photos of the property damage
- Contact details of any other drivers involved
- Receipts or proof of insurance purchased
Then, reach out to a Columbus car accident lawyer who can help you understand your legal options, guide you through the insurance claim process, and advocate for your interests if disputes arise with the rental car company, insurance provider, or credit card company.
Contact Fox Injury Law today
If you have been in a wreck while driving a rental vehicle, do not panic, but do not ignore it either. The right legal guidance can help you understand your options, whether you are dealing with your insurer, a rental car company, or an at-fault driver. If you have questions, contact us online or by calling (404) 777-7778. We understand the ins and outs of rental car insurance, liability coverage, and property damage claims.
