Many of you may look at this article and decide you don't need to read it. I'm a safe driver, why do I care about this stuff! Well it may be true, you may just be the safest driver ever, but it doesn't mean that those around you are safe. It is important that you know what to do before the accident, and after the accident, as well.
The first thing that you need to do is find out exactly what you are insured for prior to renting your vehicle. Most times you will be covered under your personal vehicle insurance or Credit Card Company, you should know what and how much is covered. If you feel that you are not covered to a level that is comfortable, then it is a wise choice to take the additional renters insurance that is offered by the rental company. This insurance can cost you as little as $10.00 a day, but it is worth the investment should an accident occurs.
You should call the police and fill out an accident report as soon as the accident occurs. This form should be filled out at the scene of the accident and if possible the vehicle should remain where it was when hit. After you contact the police you should then contact the rental company and inform them of the accident. Never admit fault to the rental company, and NEVER offer to pay or settle the incident without permission from the company.
All relevant information should be copied and handed to the rental company. Repair receipts, police reports and all other documents that you have collected, due to the accident, need to be handed over. You will also want to keep an open communication with the rental company and provide them with any information that they may require in order to settle their claim.
If you are going to be using your personal vehicle insurance and credit card insurance, then these companies also need to be notified on the spot. They will also need copies of all the paperwork that you have collected, relevant to the accident. Afterwards, stay in contact with all companies so that you are update on what is going on, otherwise you will be hit will a bill that you were not expecting. Since the ultimate liability lies with you, it is important that these steps are completed.
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Posted under Cars
This post was written by Jason Hall on June 8, 2010

