[Music] Insurance coverage and accidents and
damage to a rental car when renting a car it’s likely that you will be driving
a vehicle that isn’t very familiar to you this may mean that you will need to
concentrate even more than usual as the layout of the car may be different to a
car that you are used to if you’re not familiar with the car you’re driving you
may be more susceptible to having a car accident being involved in an accident
when you are driving a rental car should be treated exactly the same as an
accident that occurs when driving your own car however there could be a few
complications when dealing with the insurance side of things let’s take a
look at some of the issues that you may have to deal with after an accident that
involves a rental car reporting the car accident a car accident will need to be
reported to the police if someone has been injured every drivers insurance
company will also need to be made aware of the accident when you’re involved in
an accident whilst driving a rental vehicle you will need to file extra
reports to the rental company the rental company is likely to provide you with
details about how you should report an accident you are likely to have received
this information when you rented the vehicle if you’re unsure about how you
should report the accident you should contact the rental company and ask them
you must do what you can to follow all of the terms of the rental agreement
after your accident as failure to follow them may mean you’re liable for some oh
are all of the damages if you have been injured in a car accident that was
another drivers fault please speak with a personal injury lawyer your auto
insurance and rental cars before you rent a car you will need to make sure
your personal auto insurance covers you should you be involved in an accident
whilst driving the rental car some rental car companies may insist that you
buy additional auto insurance before you rent a vehicle from them however it is
up to you whether you buy this additional insurance as if you already
have sufficient coverage you really don’t need to purchase additional
insurance you may still be covered by your auto insurance even if you are
driving a rental car oversea you should check that you are covered
before you go on vacation so that you know whether you are properly prepared
rental companies collision coverage it’s likely that your auto insurance policy
covers rental cars in any subsequent accident you have whilst driving one
however it’s important that you check to see if your policy covers rental cars
before you hit the road the good news is that if you do need to buy auto
insurance most rental companies offer collision coverage this means you are
likely to be covered whether you or another driver was at fault before you
sign on the dotted line please make sure that any auto insurance policy that you
are about to pay for does not offer exactly the same as your personal auto
insurance if you paid for your rental car with a credit card if you paid for
your rental car using a credit card it would be worth checking to see if your
provider offers insurance coverage it’s likely that the credit card provider
will offer some type of insurance or protection even if you’ve only used the
card to reserve the car [Music]