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What happens when a rental car wrecks?

On Behalf of | Jan 27, 2022 | Motor Vehicle Accidents |

If you are involved in an accident while traveling on a Florida road, it’s possible that you will be entitled to compensation for any damages that you incur. Generally speaking, this is true even if you are driving a rental car at the time of the crash. Let’s take a closer look at who may be liable for ensuring that you and the rental car company are made whole.

Who caused the crash?

In the event that you caused the crash, you will likely be required to pay any expenses related to damage caused to your rental car. However, if the other driver caused the crash to occur, that person would be liable for paying any costs that arise in the aftermath of the wreck. Assuming that this person has insurance, that individual’s insurance company would be responsible for making a payment up to the policy’s limits. Otherwise, you would have to take legal action against the other driver to obtain the money needed to pay for your rental car and recoup other losses.

Do you need rental car insurance?

Your car insurance policy will likely remain in effect when you drive a rental car. However, there is a chance that it will have exclusions or limitations that minimize its effectiveness in the aftermath of a motor vehicle accident. Therefore, it may be in your best interest to at least consider buying coverage offered by the rental car company before driving away.

It’s also important to note that your credit card company may offer additional protection when you use a rental car. When combined with your own insurance policy, it may be enough to offer adequate coverage without the need to pay for products that might not fit your needs or budget.

After an accident, it’s important to get in touch with your auto insurance company as quickly as possible. In addition to conducting its own investigation, a customer service representative may be able to answer any questions that you might have about who will pay for any damages caused in the wreck.

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