Renting a car is very common all over the world, especially during vacations. Regardless of how convenient it is, there is still the risk of a traffic accident. As a result, it is critical to understand how to act and be fully protected while on the road.
Rental Car Insurance
Consider the insurance program before making a deal. Based on the circumstances, particular damages may be cancelled. In short, the driver will be liable under the car rental contract’s terms.
Most cars include basic and civil liability plans in the price. In addition, agencies usually offer extensions to them. However, there is no protection in an accident that damages the body and causes severe injuries to the driver or passengers.
If you only have this insurance and the crushing damage, the renter will be responsible for covering these costs. That is why it is crucial to obtain an insurance policy that covers accidents, even if it raises the rental price.
How to Act During a Traffic Accident
In case a road accident has already happened, the best thing to do is to remain calm and take the following steps:
- Make sure that all of the passengers are safe. Examine everyone involved’s health. Notify the emergency services, and assist the injured if you are familiar with first aid
- Call the car rental company. Inform the agency of what happened and request roadside service. They will collect the vehicle, replace it, and deal with the insurance companies
- Call your insurance company. If the accident is not your fault and you have comprehensive insurance or Loss Damage Waiver, you can ask for compensation. As a result, the company will refund the excess to you within 30 to 60 days (provided you have not been negligent). Otherwise, you won’t be reimbursed and must pay penalties for the car repair
- Complete the accident report. Take photos of as many details as you can. It is critical to define roles and avoid involving the police
As a result, a careful action plan is required, not only for a quick resolution but also for the appropriate coverage type when renting a car. That is why you should select fully comprehensive insurance for your car rental. It enables you to seek restitution for the losses you are likely to suffer.