If you have recently been in a car accident that was not your fault, and your vehicle was damaged, the driver's insurance who was responsible for the accident is obligated to cover the rental cost of a vehicle for you while yours is being repaired. Here are a few things that you need to know about renting a car after you have been in a car accident.
Contact Their Insurance Company
The first thing you are going to need to do is contact the other driver's insurance company and let them know that you will be needing to rent a car immediately while yours is getting fixed.
You need to let them know that you expect them to cover this expense; your life has been disrupted by the accident that you were in, at no fault of your own, and you should be able to continue going about your usual business without jumping through too many hoops.
Find Out If Any Limits Are In Place
Second, you need to find out if there are any per-day spending limits that the insurance company is putting on your claim. Some insurance companies will only pay up to a certain amount per day for your rental, so you need to be careful about the daily cost of the vehicle that you choose to rent. Other insurance companies will only cover a vehicle rental cost for a set period of time, but will cover whatever the cost may be.
If you feel that the daily limits for a car rental are too low, discuss it with the insurance company. You should be able to rent a comparable vehicle to the one you drive. For example, if you drive a small SUV, you should not be stuck with a compact car that does not fit your driving and transportation needs.
Make sure that they are willing to pay enough to cover the cost of a similar vehicle to the one that you own and are being deprived of using right now.
Contact Your Own Insurance Company
Third, contact your own insurance company and see if they will extend your collision coverage to your rental vehicle. If they will extend the collision coverage that you typically carry on your vehicle to your rental vehicle, you will not need to purchase a collision coverage from the car rental agency, which should help keep your daily rental costs under control.
Make sure that you understand the limitations before you rent a vehicle. Get everything in writing from the other driver's insurance company so that you can ensure that you'll get the reimbursement you deserve. Try clicking here for more help.