If you are involved in an accident in your primary vehicle, depending on the type of insurance that you have, you may be able to get a rental car. While a rental car provides a safety net, there are still dangers that you have to be aware of. You may still suffer an accident in a rental car. If that happens, you will have to file a rental car claim. While this may seem complicated, insurers and rental car companies understand that accidents can happen at any time.
● Full Coverage
In order to make sure that things run smoothly, if you need a rental car from an insurance claim, try to obtain full coverage. Make sure that you have collision, liability, and benefits so that you will be prepared in any situation. The limits and deductibles vary according to the policy that you have, so take that into consideration before making a decision.
Rental reimbursement coverage will protect you if your car is damaged in an accident. You are given a daily allotment that can’t exceed a specific number of days. You will also have a specific dollar amount that you cannot exceed. The policy extends to other methods of transportation. If your rental car is injured, you are covered if you need to use an Uber or other method of transportation while your vehicle is being repaired.
● Initial Steps
In the aftermath of an accident involving a rental car, do not admit that you were at fault. Even if you were at fault, that is not the best thing to do. Make sure that you have the other driver’s contact information. File a police report and try to ask witnesses if they can give a statement. The insurance company will investigate more thoroughly. If you have rental vehicle coverage, you should be able to get back on the road in another vehicle soon.
● Insurance Adjuster
Once you have filed the claim, an insurance adjuster will contact you soon to work with you. The goal is to accommodate you as soon as possible. The insurance adjuster will provide you with a list of rental car agencies where you can enjoy a lower rate when selecting your next vehicle. Normally the rental car agencies will set up payment with the insurance company directly instead of you having to worry about the costs. Also, be aware that choosing a luxury vehicle means that you may have to cover some expenses out of pocket. Try to stay within the dollar amount outlined in your policy.
This is how you can get a rental car from your car insurance claim. For all your auto insurance needs, contact the experts at Advanced Insurance Group today. We are ready to assist you with all your insurance needs.