What Happens If You Have an Accident with a Rental Car?

What Happens If You Have an Accident with a Rental Car? Who Pays for the Damage?

Today, renting a car is one of the most practical ways to get rid of the responsibilities of owning your own vehicle (such as insurance, taxes, and maintenance). However, as convenient as it is, there's a question that often comes to mind: "What happens if I have an accident with a rental car?" If you're wondering what awaits you in the event of an accident and who is responsible for which expense, this guide from RentiCar is for you.

What Steps Should Be Taken in Case of an Accident?
In the event of an accident, your first priority should always be to stay calm and ensure your safety. Then, follow the steps below in order:

1. Report the Situation Immediately: No matter how minor the accident, call the car rental company without delay and explain the situation in detail. Company officials will assist you with the steps you need to follow.
    
2. Call the Police or Gendarmerie: Depending on the accident, call the authorized units (police or gendarmerie) to the scene. This step is crucial, especially if there are injuries or significant damage. The accident report prepared by the authorized units is necessary for insurance procedures.
    
3. Fill Out an Accident Report Form: If it's a property damage accident and you have reached an agreement with the other driver involved, fill out an Accident Report Form. Make sure you complete this form with accurate and complete information.
    
4. Gather Evidence: Taking photos of the accident scene and noting down the other drivers' information (ID, driver's license, insurance policy) will help speed up the insurance process.

Who Pays for the Damage to the Car After an Accident? What is the Rental Company's Responsibility?
In an accident involving a rental car, the responsibility for damages is largely determined by the insurance coverage specified in the car rental agreement and your fault in the accident.

• Traffic Insurance and Comprehensive Insurance: Rental cars come with mandatory traffic insurance and usually comprehensive insurance. Traffic insurance covers the damages you cause to others. Comprehensive insurance covers the damages to the rental car itself. However, there's an important detail here: the deductible (franchise) amount.
   
• Deductible Amount: The deductible specified in the comprehensive insurance means that you are responsible for covering a portion of the damage. This amount is stated by the car rental company in your rental agreement. Therefore, be sure to check this detail when signing the agreement.
   
• Fault Status: If the accident is caused by your driving under the influence of alcohol, without a license, or at excessive speed, the insurance coverage becomes invalid. In this case, all damages and legal costs may be charged to you.

Additional Insurance Packages
Most rental companies offer additional insurance packages that waive the deductible or expand the comprehensive insurance coverage. These packages can significantly relieve you of financial burdens in the event of an accident. If you want peace of mind, it may be beneficial to consider these additional insurance options.

While having an accident with a rental car can be worrying, by taking the right steps and understanding the contract details, you can get through this process with minimal damage. Always drive carefully and don't forget to inquire about insurance coverage and the deductible amount when picking up your vehicle. RentiCar wishes you safe and enjoyable drives ????