Who’s At Fault In A Rental Car Accident?

The last thing you think about when driving a rental car is getting into an accident. Unfortunately, they’re a part of life and can happen when you least expect them to. The question is, do the state’s laws and insurance companies treat rental car accidents differently? Learn more about what happens after a rental car accident in New York and who would be responsible for damages. 

What Types Of Insurance Plans Are Available For Rental Cars?

When you rent out a car, most companies have four basic types of insurance to choose from: 

  • Collision Damage Waivers: Also known as damage waivers, this type of insurance could benefit you if you’re the victim of an accident, vandalism, or robbery. This type of insurance can make renting a vehicle more expensive, but you can potentially save thousands on car repairs or replacements if something happens.
  • Personal Accident Coverage (PAI): PAI covers all hospital treatments for you and any passengers with you during the accident. This insurance type is especially useful for those who haven’t signed up for health insurance or Personal Injury Protection (PIP), which is mandatory in New York.
  • Supplemental Liability Coverage: Liability coverage will offer additional protection beyond your standard insurance. This will come in handy if the accident caused injuries or damages to another person.
  • Personal Effects Coverage: This coverage will reimburse you for any stolen property from the rental vehicle. 

Who’s At Fault For A Car Rental Accident In New York?

The state’s law treats all car accidents the same, regardless of whether it’s a rental car. That said, every collision will be different based on the details of the accident and your state’s laws. With New York being a no-fault state, your insurance company will be responsible for reimbursing you for any damages, medical bills, and other expenses related to the accident. If you purchased a damaged waiver, the car rental company’s insurance could also cover any costs in the case of an accident.

Steps To Take After A Rental Car Accident

If you’re ever involved in a rental car accident in New York, here’s what you need to do:

  • Check For Injuries: Pull to the side of the road to see if anyone’s hurt and assess the damages. If you or anyone else is seriously injured, call 911 and seek medical attention immediately.
  • Talk To Witnesses: Witness statements could be valuable evidence for any accident claim. Talk to people who saw the accident, get their contact information, and ask them to share what they saw.
  • Gather Evidence: Every piece of information can help with your claim. Don’t forget to gather details like street names or dates and take pictures of the scene to add more support your case.
  • Call The Rental Car Company: After you get medical help and gather the necessary information, notify the rental car company and ask them what to do next. Sometimes, the credit card company you paid your rental with may have rental car insurance covering damages.
  • Contact Your Insurance Company: If you didn’t buy rental car insurance, your primary insurer may cover expenses. Ask them if their coverage includes rental car accidents, what your deductible is, and who’s responsible for taking care of the accident report.

Speak To An Attorney Today

Did you recently suffer an accident while driving a rental car? Our experienced accident attorneys are here to answer any questions and help you take the next steps. Please contact us online or at (866) 576-0484 to start your claim today.