When you're on vacation or a business trip, it's understandable that your focus may not be on what to do in the event of an accident in a rental car. But these types of crashes have some unique considerations to bear in mind—considerations that every driver should be aware of. To shed more light on this subject, below you will find some automobile accident advice regarding crashes and rental cars.

Answers to Common Questions About Auto Accidents & Rental Cars

What do I do if I'm in an accident in a rental car?

First, call 911 and pull over to the side of the road. Ensure everyone is safe; it's always a good idea to get checked out by medical professionals, even if you don't sense any immediate injuries. Exchange contact and insurance information with the other driver and call the rental car agency to report the accident. Take photos of the scene and any damage incurred. When the police arrive, tell them what happened and follow their instructions as to the most appropriate next steps.

Should I contact my own insurance company?

Yes. As soon as you've completed the above steps, contact your own auto insurer. They will likely request a copy of the accident report compiled by police. Also, if you don't have the information handy, find out the extent of your coverage (liability, collision, or comprehensive) and deductible amounts.

Am I responsible for damages?

It depends. If you caused the accident and did not purchase additional insurance or a collision waiver from the rental company, then your insurer is liable. If you did purchase additional coverage from the rental agency, check your policy to see what costs will ultimately be your responsibility. And regardless of who was at fault or who provides the insurance coverage, you always need to pay your deductible.

What if I didn't cause the accident?

In this case, your insurer should pursue damages from the driver who caused the crash. You may be asked to give statements and submit your photo evidence to help an insurer in these efforts. Never give statements or evidence to the other party's insurer, only to your own.

Do I need an accident attorney?

Given the complexities of rental car crashes, an attorney can offer valuable assistance. They will provide you with customized automobile accident advice; they will communicate on your behalf with insurers and other parties involved in the crash; and they will negotiate settlements and ensure insurance coverage is provided as defined in the policy.

The attorneys at Cronin Skilton & Skilton, P.L.L.C., have been serving clients throughout the Charles City and Nashua, IA, areas since 1934. In addition to car accidents and personal injuries, they represent will and probate issues, tax cases, bankruptcy claims, and real estate matters. Call (641) 435-2462 or visit their website to arrange a consultation for automobile accident advice.