It can be frustrating enough to get into some sort of car accident. It doesn’t matter if the loss is minor or there are so many damages. If you had an accident when driving a rental vehicle, you’re obviously much more concerned about the risks and repair costs. Many people want to know who is responsible for rental car in an accident. Today, you will find the answer in this post.
If you rent a car, it is your responsibility to return the car in the condition in which you receive it from the car rental company. So, if you want to know who is responsible for the rental car in an accident, then you should know first that it depends upon the scenarios. We are going to discuss these scenarios below.
Renting a car with a driver:
Almost every car rental company not only provides you the option to hire a car, but they also provide you an option to hire a driver with the vehicle. If you rent a car with a driver and the accident happens because of that driver, then you don’t have to worry about paying the repair cost. Every car rental company claims that its drivers are professional and well trained. So, if the accident happens because of their driver, then he is the one who is responsible for rental car in an accident.
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The car rental company will not blame you because their vehicle was in the hands of their driver. They only have the right to blame you if you are the one who was driving their car.
Renting a car without a driver:
When you rent a car without a professional driver, then you are the one who is responsible for a rental car in an accident. Many car rental companies offer you insurance options while you rent a car from them. If you take their insurance, they don’t charge you for the damage because you already pay for the insurance. But if you don’t take insurance from the car rental company, then you have to pay for the car damage. Car rental companies offer different types of insurances, such as personal accident insurance, liability coverage, and many more. These rental car insurances will save you from paying too much money for the car damage.
So, if you don’t rent a car with a driver or insurance provided by that car rental company, then you have to pay for the car damage. You can pay for the damage through the following ways:
Rental car insurance by the credit card company:
You may automatically get car rental insurance while renting a car through your major credit card. The company of your credit card will pay for the damage which occurs to your rental car during the car rental duration. And it depends upon the terms and conditions of your credit card policy. Moreover, credit card doesn’t often provide insurance for liability, which is probably the most prominent form of insurance. Such rental car insurance by the credit card company makes it easier for you to pay for the rental car damage.
Insurance for a personal car:
If you have a personal car and you drive it regularly, you’ll definitely have insurance for your personal car. You can also pay for the damage that happens to your rental car through your personal car insurance. Many personal car insurance plans are providing coverage that suits the liability insurance provided by the rental car agency. And many are offering similar coverage, like comprehensive and crash insurance.
Many car rental companies may ask you to provide evidence of insurance coverage through your personal car insurance policy. If you want to pass on a collision damage waiver or liability coverage, you have to provide them the evidence. So, you can also pay for the rental car damage through the insurance that you take for your personal car.
In this post, we mention who is responsible for rental car in an accident. We discuss some scenarios which will guide you towards your answer. So, if you had an accident while driving a rental vehicle, you should read this post. It will help you in knowing whether you are the one who has to pay for the damage or not.