What to do when you are in a rental car accident
Calls to make and forms to fill out
Fill out an accident report at your rental car agency. Notify your rental car agent immediately when damage is done to the vehicle. If you are unable to drive the car they may be able to get you a replacement and they will definitely need to make plans to have the car repaired.
Call your insurance company. Depending on your policy, your car insurance company may be able to cover damage done to a rental vehicle. You will still need to pay your deductible, but it could save you hundreds, if not thousands of dollars, if you are in a bad accident.
Call your credit card company. Many credit card companies now offer rental car damage coverage. Check with your credit card company before you rent to see what the limitations are on renting a vehicle. I once had my rental car for 31 days; my credit card would only cover rentals up to two weeks in the United States, and 30 days abroad. Make sure you pay for your rental car with that credit card. If you don’t, they may not cover you. Also, call your credit card company as soon as possible after your accident. There is a time limitation on claim after the accident. They may not cover you. Call whether you have all of the insurance paperwork and police report or not, just to get it into their system.
Optional rental car insurance. If you bought the optional rental car insurance you may not have to deal with too much of this. You will still have to fill out an accident report, and you will certainly want to get anyone medical attention that needs it, but you may not have to deal with your personal car insurance or credit card companies. Then again, you might. Read any extra insurance you buy very carefully and clarify with the agent what is covered and what is not.