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Cheat Sheet Emergency What if you have an accident in a rental car.
Facing a rental accident could be the last thing on your mind when you load the car and drive off into the sunset, but it didnt say you should not be ready when handling an accident in a car leasing is similar to what you d do if faced with a collision on your own car, it is important to follow the proper protocol to avoid confusion and unnecessary paperwork.
Before doing anything else, make sure everyone in the vehicle is ok Check the surrounding scene and all the other cars involved if someone is injured, call 911 immediately in case of danger to his explosion, clear the area set up emergency flares or if necessary call the police to help redirect traffic as soon as you have determined that the scene is information safely, exchange contact and insurance with all other stakeholders and take pictures of damages try not to mention that you're driving a rental car, as some people may try to take advantage of the situation to leave the scene as soon as it is safe to do so .
So, those are the same steps to take if you drive your own vehicle, however, with a lease, you have to deal with some extra paperwork soon as possible, call the car rental company and inform them of the accident is often a sticker with an emergency number located inside the company to ask how glovebox, but be sure to read the fine print both your insurance and any insurance provided by the rental company.
You will of course need to inform your own accident insurance company and ask if they can take care to file an accident report with the local police or if it's your responsibility if you do not already know Ask your insurance company if you have collision and comprehensive coverage in your policy in addition to the security required by law collision and comprehensive coverage protects the car you rent you will also need to know what your deductible is a deductible is the portion of the loss you have to pay pocket for example, if your deductible is 400, and you have hired 10,000 worth of damage, you must pay 400 in repairs, and your insurance company will cover the rest of most rental companies require you to have an excess of 500 or less, or ask you to purchase additional insurance when renting the vehicle sure to inform Sea your insurance company for any additional insurance you bought with the rental.
If you didn t purchase additional insurance or collision waiver when you rent the car, your insurance company is responsible for paying the rental company for the car if your active policy provides the first party coverage Payments will always be subject to the conditions of your policy This means that if you were at fault, you must pay your deductible directly to the rental company, the company has the right to have the car fixed as soon as possible your insurance company is then responsible for going after the party responsible if you are not responsible for the accident.
Restrictions on your policy can cause problems, the most important being the loss of use If you do not have rental coverage on your policy, you will pay a rental fee to the rental company as if you were renting the still car that means if it takes 4 days to repair the vehicle, you will pay 4 days rental Even if you do carry the loss of coverage use in your policy, you will have to pay the difference to the rental company if the limit is less than what the car would usually go.
Your accident report will be treated differently if you purchased additional insurance or a waiver of collision damage.
If you purchased additional insurance or the rental company or credit card company, be sure to read the fine print both supplementary insurance policy and your own Some rental insurance policies offer full coverage in an accident as long as you pay the premium this means they would cover the cost of the car you hit if you were at fault and the car damage However, you might still have a deductible of your own font insurance, which usually serve as a secondary form of coverage if the rental limits of auto insurance policies are weak Read policies together to see who will pay the first and second.
A lifting of collision damage frees you from the agreement you made when you rent a car in case of an accident, you are responsible to pay for the car However, even if you bought a waiver of collision damage you should always file a claim for your medical expenses for injuries and the car you hit if you were at fault.
Getting into any sort of accident, either in a rental car or your own vehicle, is never pleasant The most important thing is to ensure that everyone involved is safe and to be in a state calm and collected mind when approaching the stack of documents.
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Cheat Sheet Emergency What if you have an accident in a rental car, emergency, fraud leaf accident.