Every time a person goes to rent a vehicle, they are always given the option to purchase additional insurance coverage in the event an accident arises. While this is the last thing you expect to happen, unfortunately, accidents do occur while driving rental cars, even those that may not be your fault.
What should I do after an accident with a rental car?
Rental auto accidents should be handled in a similar manner as any other car collision. Some things you should do after engaging in a crash in Des Moines, Iowa include:
- Check to ensure everyone in the vehicle is unharmed.
- Call 911.
- If you are in a hazardous area, try and relocate to avoid any further injury.
- Exchange contact information with the others involved including their insurance information.
- Take pictures of the accident scene, your injuries, and the damages done to the rental car.
- While you don’t have to inform the other parties involved that you are driving a rental, you are going to want to contact your rental company as soon as possible.
And if you didn’t purchase the insurance to cover you from the company, call your insurer and ask whether you have adequate coverage that protects you in situations such as this. According to Nerdwallet.com, collision and comprehensive coverage should protect the car you rent so look into your policy or ask an agent to see what your limits might be. It is also important that you ask about a deductible. If you do have one, this is the amount you are responsible for paying out of pocket before your insurer steps in to help out.
In an instance such as this, it is always advisable that you consult with an accident attorney in Des Moines, Iowa as well because you also don’t want to be taken advantage by anyone, whether it be the rental company, the at-fault party, or even your insurance company.
Am I required to pay my deductible even if I didn’t cause the accident?
You might. If you are carrying coverage under your policy that will pay for damage done to another vehicle such as a rental, you might have to put up the deducible amount so your insurance can cover the cost for the vehicle to be repaired. Your auto insurance company can then go after the at-fault party for the funds they should have paid out for causing the collision. Because this isn’t always an easy task to complete, we recommend you allow of one our featured Des Moines accident lawyers assist you.
Why else should you consider hiring one of our Des Moines, Iowa accident lawyers after your accident?
Because the vehicle doesn’t belong to you or you neglected to purchase the additional insurance, it might be a wise idea to hire an accident lawyer in Des Moines as they can help clarify any misunderstandings and speak with the rental car company on your behalf. Again, there are times where these companies might try and take advantage and demand you pay more for the damage, but the chance of this decreases when you have an accident lawyer working on your side.
Give us a call today to learn how we can help you out during this traumatic and stressful time. Our accident lawyers not only can help those who have been involved in an auto accident but also other types of accidents as well.