What Happens if You Wreck a Rental Car With Insurance

Have you ever wondered what would happen if you got into a car accident while driving a rental car? Would your insurance cover the damages? You may be taken aback by the answer, like a bolt from the blue. In this article, we'll explore the ins and outs of what happens if you wreck a rental car with insurance, from what rental car insurance covers to what to do if you don't have insurance. Get ready to gain a better understanding of this important topic.

What Is Rental Car Insurance

Rental car insurance covers you in case of an accident while you're driving a rental vehicle. It can provide coverage for the cost of repairing or replacing the rental car, as well as any damage you cause to others, such as their vehicle or property. Rental car insurance also covers other costs associated with renting a car, such as rental fees and damage costs. It's important to understand the coverage you have before renting a car. You may already have some coverage on your personal auto insurance policy, or you may need to purchase additional coverage.

Rental car insurance can provide peace of mind while you're travelling. It will cover the costs of any damages or losses resulting from an accident, including the cost of repairing or replacing the rental car. Additionally, it can help protect you from any legal action that may arise if you're found to be at fault for an accident. It's also important to note that rental car insurance may not cover all costs in the event of a crash, such as medical bills for passengers in the car, or the cost of a tow truck.

To ensure you're adequately protected while renting a car, it's important to review your coverage and consider purchasing additional protection. If you already have auto insurance, you may find that you have some coverage for rental vehicles. If you don't, you may want to consider purchasing a policy that includes rental car insurance including checking your credit card - read Amex Platinum Rental Car Insurance. It's important to understand the details of your policy before renting a car, so you know what's covered and what isn't.

What Does Rental Car Insurance Cover

With rental car insurance, you're covered in case of an accident. Rental car insurance typically covers damage to the rental car, as well as any personal belongings left inside the car. It also covers any medical expenses due to injury from the accident. Depending on the rental company, rental car insurance may also cover towing and legal fees.

The amount of coverage and cost of rental car insurance varies depending on the rental company, rental rates, and the customer's individual insurance plan. Generally, the type of insurance coverage and the cost of insurance will be clearly stated in the rental agreement or contract. Additional insurance can be purchased for an additional fee to cover loss of use, personal effects, and liability.

Rental car insurance can be beneficial for those who don't have personal car insurance, or for those who don't want to use their existing insurance coverage. It can also be beneficial for those who are travelling and need a rental car while away from home.

Here are 5 key benefits of rental car insurance:

  • Coverage for damage to the rental car
  • Medical expenses in case of an accident
  • Coverage for towing and legal fees
  • Coverage for loss of use
  • Liability insurance for peace of mind

No matter what your rental rates and insurance costs are, rental car insurance can provide you with the assurance that you'll be covered in case of an accident.

What Are the Steps to Take After Wrecking a Rental Car

After experiencing an accident with a rental car, it's important to take the necessary steps to ensure you're properly covered and get back on the road safely. Firstly, you should contact the rental car company and your insurance company as soon as possible. You should also take pictures of the damage for your records. Make sure to document the location, date, and time of the accident as well. You should also exchange contact and insurance information with any other drivers involved and make sure to get a copy of the police report.

In order to be reimbursed for rental costs and any other damages, you may need to provide your insurance company with proof of insurance coverage, such as a copy of your rental agreement. Your liability coverage may also be impacted depending on the damage done to the rental car and the other cars involved. You should also check your rental agreement to see if it covers any of the damages.

Lastly, you should make sure to return the rental car to the rental car company. They will typically inspect the car and provide you with a report of the damages. Depending on the damage, you may be charged additional fees for the repair costs. If you are charged any additional fees, make sure to contact your insurance company and your rental car company to dispute them.

What To Do if You Don't Have Rental Car Insurance

If you don't have rental car insurance, you may be liable for any damages and costs associated with an accident. After an accident, you may have to pay for the car repairs, towing fees, any medical bills, and fines or legal fees. The costs can add up quickly, so it is important to know what your legal recourse is if you don't have rental car insurance. Here are a few things to consider:

  • Paying Fines: Depending on the type of accident, you may have to pay fines or legal fees to the rental car company, as well as any other party involved.

  • Repairs: You are responsible for any repairs to the rental car, even if it is done at a third-party repair shop.

  • Towing Fees: If the rental car needs to be towed away from the scene of the accident, you are responsible for the cost of towing.

  • Medical Bills: If anyone involved in the accident gets injured, you may be responsible for any medical bills that result from the injuries.

  • Legal Recourse: If you can't afford to pay the fines or other costs associated with the accident, you should speak to a lawyer to explore your legal options.

What Are Some Tips for Avoiding Accidents in Rental Cars?

Being aware of your surroundings and following the rules of the road are essential for avoiding accidents while driving a rental car. Safe driving is your responsibility, so it's important that you take the necessary steps to prevent any incidents when you're behind the wheel. Here are a few tips for accident prevention that will help you keep your rental car safe while you're on the road:

Stay AlertStay alert and aware of your surroundings at all timesAvoid potential danger and hazards
Obey Speed LimitObey the speed limit and drive within the posted speed limitsAvoid getting a ticket and reduce the risk of an accident
Avoid DistractionsAvoid distractions such as texting, talking on the phone, and eatingImprove reaction time and be able to respond quickly to hazards
Watch for PedestriansBe mindful of pedestrians and look for people crossing the streetReduce the chances of hitting a pedestrian

These tips can help you stay safe while driving and avoid any accidents. It's also important to check the rental car before you drive it to make sure that it's in good condition. Be sure to inspect the tires, brakes, lights, and other important components to ensure that they're in good working condition. Following these tips and taking the necessary steps to ensure the safety of your rental car can help you prevent any accidents and keep you safe while on the road.

Frequently Asked Questions

What Is the Difference Between Rental Car Insurance and Regular Car Insurance?

Rental car insurance typically covers most damage to the car, up to the rental limits, at a lower cost than regular car insurance. It may not cover personal injuries or damage to other cars.

Are Rental Car Companies Responsible for Damages Caused by Their Cars?

Yes, rental car companies are responsible for damages caused by their cars. Leasing policies typically cover repair costs, so you can expect them to take care of any necessary repairs.

If you wreck a rental car, you may have driver liability and credit coverage. However, depending on the situation, you may still be held financially and legally responsible for damages.

Are There Any Insurance Companies That Provide Rental Car Insurance?

Yes, many insurance companies provide rental car insurance with deductibles and coverage limits. Compare policies to find the one that best fits your needs.

Are There Any Ways to Reduce the Cost of Rental Car Insurance?

To reduce the cost of rental car insurance, consider avoiding claims and adding accidental coverage. Shop around for the best rates and compare policy features from multiple insurers.


No one likes to think about wrecking a rental car, but it's important to know the steps to take if it happens. When you have rental car insurance, the process is simpler, but even without it, you can still make the best of the situation. By researching your options, being prepared, and taking the right steps if an accident occurs, you can minimize the damage and make sure that you and your rental car both make it back home in one piece.