What Happens When a Rental Car is Involved in an Accident?

Rental cars can significantly complicate car accident claims. Crashes involving rental cars: if you’ve been involved in one, you’re likely concerned about not just your injuries, but damage to a vehicle that isn’t even yours.

We can help. Call The Dodd Law Firm at 203-272-1883 to set up a meeting with our experienced attorneys now.

Understanding Your Rights and Responsibilities with Rental Cars

Getting into an accident with rental cars is incredibly stressful. It’s important to know what steps to take to protect your rights and protect yourself from any unintended consequences. First, make sure everyone is safe and call for medical help if needed. Once you know everyone in your vehicle is safe, you should report the accident to the police.

Next, exchange information with any other drivers involved. At minimum, get their name and insurance information. If you’re unlucky enough to encounter an aggressive driver, ask the police officer who reports to the scene to help. Taking photos of the accident scene, including any damage to the vehicles involved, can also be helpful.

Let the rental company know about the accident as soon as you can. Most rental agreements require you to notify them right away. Provide them with all the necessary details, including the police report number and the contact information of other involved parties.

It’s a good idea to review your rental agreement to understand your obligations. This will help you know what steps to take and what you might be responsible for financially.

Insurance Coverage Basics: Personal Auto Insurance and Rental Cars 

When dealing with a rental car accident, understanding insurance is even more important than it is when you’re driving your own vehicle. There are different types of insurance that may come into play. Your personal auto insurance might cover the rental car, but it’s important to check with your insurer to make sure. If you bought insurance from the rental company, like a collision damage waiver, that might also cover some or all of the damages. Read the rental agreement and any additional coverage terms carefully to see what’s included.

Several credit card companies offer rental car insurance if you use their card to pay for the rental. It’s a good idea to check with your credit card company to see if this benefit is available to you.

Ideally, you’ll know about your insurance coverage and limitations before you’re involved in a rental car accident. The consequences of not having enough coverage are steep, so be prepared before you even leave the lot in your rental vehicle.

Liability Concerns

Determining who is responsible for damages in a rental car accident involves understanding liability. Connecticut uses a fault-based system, just like most other states. This means the person who caused the accident is responsible for the damages. Establishing fault often involves discussions between insurance companies. If you are found at fault, you may be liable for damages beyond what your insurance covers, depending on your policy’s terms and the rental agreement.

It’s important to know that even if you think you’re not at fault, the other party’s insurance company may disagree. It’s surprisingly common for two insurance companies to look at the same evidence and come to completely different conclusions. This is why having solid evidence is important. Plan for the worst, and ideally, you’ll never need the evidence you’ve saved.

Additionally, some rental agreements might have specific clauses about what happens if you are found at fault. This could include extra fees or requirements. It’s essential to review these terms so you know what to expect. In some cases, the rental company may also hold you responsible for loss of use, which is the time the car is being repaired and cannot be rented out.

Dealing with the Rental Company

Reporting the accident to the rental company quickly isn’t just recommended—it’s likely one of your contractual obligations. Check your rental agreement to understand your responsibilities. Being prompt and thorough in your communication can help prevent additional fees or complications.

The rental agreement should outline specific steps you need to take following an accident. This could include contacting a specific department within the rental company or filling out certain forms. Follow these instructions carefully to avoid any issues.

Knowing your rental company’s terms can help you navigate the situation more effectively and reduce the chances of unexpected charges.

Choose The Dodd Law Firm for Your Car Accident Claim Involving Rental Cars

When you’re ready to move forward with a car accident case, it’s time to talk to the team at The Dodd Law Firm. Set up a time to discuss your case with our experienced attorneys—just reach out online or call us at 203-272-1883.