Leasing a car is an attractive option for many drivers. It allows you to drive a vehicle in excellent condition for a monthly payment that’s typically lower than what you’d pay to finance it. Yet, it still belongs to the dealership, so matters can become complicated if you end up in a collision. While a car accident attorney can help you determine what your responsibilities are following a crash, here’s a basic overview.

How to Handle the Aftermath of a Car Accident If You Have a Leased Vehicle

What should you do when you’re in an accident?

As with any motor vehicle accident, you’ll still need to call 911 to report the incident. This ensures a police report is generated. Should any of the parties involved attempt to sue another for damages, this document will be valuable to car accident attorneys, as it’s an unbiased account of the incident.

Who do you have to notify about the accident?

In addition to alerting the authorities, it’s also your obligation to contact your insurance company. If the accident wasn’t your fault, your insurance company will still contact the other driver’s insurer to seek payment. You’ll also need to reach out to the lease finance company for instructions on how to proceed with repairs.

Who’s responsible for repairs?

As the lessee of the vehicle, you’re responsible for covering repairs. Fortunately, if you have proper car insurance, you may only be required to pay the cost of your deductible out-of-pocket. You can then work with your insurance company to find an approved body shop for repair work. Communicate with the leasing company, as they may have stipulations in place for repairs. Some only allow original parts from the manufacturer to be used, for instance.

What if the other driver was at fault?

If you believe the accident was caused by another driver’s negligence, the at-fault driver’s insurance company should provide a check to cover the cost of your repairs after you’ve filed a claim through your insurer. If there are any other damages incurred, such as injuries, you may need to file a lawsuit. A car accident attorney can help you seek compensation for the costs of medical bills and missed wages.

If you’ve been involved in an accident caused by another driver, turn to Ely, Bettini, Ulman, Rosenblatt, & Ozer, Attorneys at Law. Serving clients throughout Phoenix, AZ, this team of car accident attorneys has more than 200 years of combined experience and is committed to pursuing the best possible outcomes for their clients. View their full list of practice areas online. Call (800) 303-2144 to schedule a consultation.