Over 1.5 million rental car accidents happen in Canada every year. Many drivers are left wondering what to do next. It’s important for Canadian drivers to know their rights and duties after a rental car accident. This guide will help you understand how to deal with rental car accidents, from knowing your insurance to claiming compensation.
Key Takeaways
- Familiarise yourself with your rental car insurance coverage, including the Collision Damage Waiver and liability protection.
- Understand the process of reporting the incident and gathering evidence to support your claim.
- Learn how to effectively file a claim with the rental car company and your insurance provider.
- Ensure you have access to 24/7 roadside assistance in case of an emergency.
- Take proactive steps to minimise the risk of rental car accidents, such as driving cautiously and following all traffic laws.
Understanding Rental Car Insurance Coverage
When you rent a car, knowing about insurance is key. You should look into the Collision Damage Waiver (CDW) and liability protection.
Collision Damage Waiver
The Collision Damage Waiver is an extra coverage from rental car companies. It helps cover the cost of fixing or replacing the car if it gets damaged in an accident. But, it’s vital to check the fine print as there might be things not covered.
Liability Protection
Liability protection is also important. It helps if you accidentally damage someone else’s property or hurt them while driving the rental. This includes medical bills and legal costs. Many rental companies offer this as an extra, so think about it before you rent.
Knowing about rental car insurance can help you choose wisely. Make sure to read the details and ask questions. This way, you’ll be well-protected during your rental.
Reporting the Incident and Claiming Compensation
After an accident with a rental car, it’s vital to report it and start the claims process. This helps you get back any damages or extra fees you might have paid.
Gathering Evidence
Start by collecting evidence at the accident scene. Take photos of the damage, the area, and any other cars involved. Also, get the contact details of witnesses and the other drivers.
Write down the accident’s details, like where it happened, when, and what happened. This info is key for your claim.
Filing a Claim
With your evidence ready, report the accident to the rental car company and your insurance. The rental car company will help you with their claims process. This might include filling out a report and providing documents.
Your insurance provider also needs to know. They might help pay for damages or extra fees you’ve faced.
FAQ
What should I do if I get into an accident while driving a rental car?
If you’re in an accident with a rental car, stay calm and keep everyone safe. Call the police to report it. Then, tell the rental company what happened.
Collect as much evidence as you can. This includes photos of the damage, witness statements, and a police report.
What is a Collision Damage Waiver (CDW) and how does it protect me?
The Collision Damage Waiver (CDW) is a rental car insurance. It covers repair costs for any damage to the rental vehicle. Rental companies often offer CDW for purchase.
This can help you avoid paying the excess if you’re in an accident.
What is liability coverage and why is it important?
Liability coverage is key in rental car insurance. It protects you if you’re responsible for damages or injuries to others. It can cover medical expenses, legal fees, and property damage.
It’s vital to know what liability protection you have. This could be in your rental agreement or personal car insurance.
What should I do if I need to file a claim for damages or excess fees?
If you need to claim for damages or excess fees, start by gathering all necessary documents. This includes the police report, photos of the damage, and any receipts or invoices.
Then, contact your rental car company or personal car insurance provider. Be ready to give detailed information about the incident and any costs.
What is roadside assistance and how can it help me if I have an accident?
Roadside assistance is a service from many rental car companies. It helps with breakdowns or accidents. If you’re in an accident, it can offer support like towing or arranging a replacement car.
Check if your rental agreement includes roadside assistance coverage.