Who Pays for Damages on a Rental Car in a Collision?
If you are planning a vacation sometime in the future, there may be a chance that you will leave your new Kia from Performance Kia at home and rent a vehicle in your desired destination. Flying into a destination and renting a car can be fun because you have the opportunity to try out a different vehicle. However, it can be stressful because you are not familiar with certain components and you just don’t feel “at home” in the vehicle. And the cost can be a big gut-wrenching if you are unable to score a great deal.
While we always do our best to be careful when we drive our own vehicle, renting a car feels a lot like borrowing a favorite dress from your friend. The dress is perfect for the event that you are attending, but you are making an extremely conscientious effort to not ruin it. That means denying yourself anything that is swimming in a delicious red sauce and sticking with water when you really want that glass of cabernet sauvignon. However, accidents can happen. With the dress, a rowdy kid might collide with the waiter and the red sauce and wine on his serving plate go flying. And with the rental car, it could be from another driver neglecting to stop at a red light, or in the case of a news article that we just read, getting caught in a bison stampede in Yellowstone National Park.
Am I Responsible for Paying Rental Car Damages?
Typically, yes. If you are involved in a collision with another vehicle(s), and you not at fault, they may be required to pay for some or all of the damages, but sorting out insurance claims can take some time and you may need to pay the rental company out of your own pocket initially.
Speaking of insurance, if you already have personal car insurance, it might help cover some of the cost, though it is best to contact your provider to be sure.
If your personal car insurance does not cover rental cars or you do not have car insurance at all, the car rental company may require you to add on a daily insurance fee to the car that you are borrowing. Even if it is not required, it is strongly recommended that you add it to your rental cost because you never know what can happen.