In the aftermath of a car accident, drivers tend to have more questions than answers. “What happened?” “Is everyone OK?” “What do I do now?” That uncertainty is only heightened when you’re not driving your own vehicle. But fear not! We have compiled a comprehensive list of steps to take after being involved in a rental car accident. With this checklist by your side, you can ensure that you’re doing all that can be expected – and legally required – to get back on the road again.
Rental Car Insurance Options
Sometimes, it happens at the car rental counter. Other times, it’s when we’re making a reservation online. We freeze up when we’re offered numerous car insurance options through the rental car company. These options may include a collision damage waiver, which covers fees to repair or replace the rental car itself if it’s damaged or stolen. You may also be offered other types of insurance when renting a car. It’s essential to understand your regular car insurance policy or even your credit card coverage before assuming you’re protected.
Allianz Global Assistance has designed a product called Rental Car Damage Protector to simplify and demystify rental car insurance options. This plan provides collision loss/damage coverage up to $75,000, even overseas, with no deductible. It also includes access to their 24-Hour Hotline Assistance, as well as other benefits like Trip Interruption and Baggage Loss/Damage coverage.
Now that you have an idea of what insurance you need to protect yourself in the event of a rental car accident, let’s talk about what you should do when you find yourself in that unfortunate situation.
Steps to Take After a Car Rental Accident
If you follow these steps after a rental car accident, you’ll be on the road to putting it behind you. Make sure to print this list out or email it to yourself for safekeeping on your smartphone.
1. Survey the Situation
First and foremost, ensure everyone’s safety. Check if anyone is injured, including yourself. Get to a safe place if you’re in harm’s way or in the middle of fast-moving traffic. Once you’ve secured your safety, you can start thinking about getting help to the scene.
2. Call 9-1-1
Whether there are serious injuries or not, call 9-1-1. You’ll need to have a police report detailing the specifics of the accident. Some areas may instruct you to report a minor accident through a non-emergency number if there are no injuries or traffic disruptions.
3. Collect Details
While the authorities conduct the official investigation, gather as many details about your rental car accident as possible. Take note of the time, location, and direction you were driving. Exchange information with the other drivers involved, including name, address, contact details, insurance provider, and policy number. If possible, take pictures of the scene and make notes on your smartphone. Avoid discussing details of the accident, especially fault, with others involved.
4. Contact Third Parties
First, call your insurance company to report the rental car accident and file a claim. If you have Rental Car Damage Protector through Allianz Global Assistance, you have a few options for getting started. You can dial them at 1-866-672-9580 or use their TravelSmart app for one-touch access to assistance from anywhere in the world, 24/7. After contacting your insurance company, call the rental car company to sort out the details of getting another vehicle or arranging transportation to your next destination. Don’t forget to inform your family, friends, and colleagues who may have been waiting for you.
5. Take care of yourself!
Even if you walk away from a rental car accident with just a bump or bruise, it can be a highly stressful event. Take some time for self-care, especially if you sustain injuries. Familiarize yourself with the rental car’s features before driving, and consider creating a rental car accident plan for future incidents. With Allianz Global Assistance and the TravelSmart app by your side, handling such situations has never been easier.
FAQs
Q: What insurance options should I consider when renting a car?
A: Rental car insurance options may include a collision damage waiver, liability coverage, personal accident insurance, or personal effects coverage. Evaluate your regular car insurance policy or credit card coverage to understand what protection you already have.
Q: What should I do if I’m involved in a rental car accident?
A: After ensuring everyone’s safety, call 9-1-1 to report the accident. Collect as many details as possible, exchange information with other drivers involved, and take pictures of the scene. Contact your insurance company to file a claim and inform the rental car company. Finally, take care of yourself both physically and mentally.
Conclusion
Experiencing a rental car accident can be disorienting, but with the right knowledge and preparation, you can navigate through it smoothly. By following the steps outlined above, you’ll have a clear roadmap to handle the situation effectively. Remember to prioritize safety, gather necessary information, and reach out to the relevant parties for assistance. Take care of yourself and drive safely!
