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Whose Insurance Pays for an Accident in a Rental Car?
Home Autos & Trucks Insurance
By: Aaron Crane Email Article
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If you paid for the rental car using a credit card like this, you are in luck. Despite waiving the optional insurance at the rental car desk and your own insurance policy rejecting a claim, the credit card company may still provide the coverage you need.

When a credit card used for the rental provides no relief, another possible avenue of support is your homeowner’s policy. Sometimes these policy have added benefits that homeowners do not even realize exist. One such benefit may be coverage of rental car accidents. It sounds far-fetched, but your policy could include rental car insurance clause.

--- When a Rental Car Accident Happens ---
When an accident occurs while you are driving a rental car, follow the same initial steps as you would in any car accident:

  • Ensure you, passengers and the other driver are uninjured, first
  • Call for emergency medical support if that is needed
  • Call the police to ensure you are provided with a police report about the accident based upon law enforcement’s view of the scene
  • Contact your insurance company to inform them of the accident
  • Call the rental car company to tell them you were involved in an accident in one of their vehicles
Most rental car companies provide checklists of who to call and what to do on the scene, in the event of a rental car accident. These checklists are often stickers somewhere visible inside the car or in the glove box along with other vehicle documentation. You can also check your rental policy or the rental policy brochure jacket for possible information, customer service telephone numbers and other details you need.

When a rental car accident occurs, it may be appropriate to reach out to an attorney. A personal injury attorney can help guide you through the accident reporting phase, insurance claims process and in dealings with the rental car organization. Having an attorney on your side may make the experience easier to bear and provides peace of mind in ensuring your best interests are protected.

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Involved in a Rental Car Accident? Speak with Aaron Crane, a Phoenix injury attorney experienced with insurance companies that may fight your claim.

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