blog Auto Accident Car Accidents and Rental Cars in OK

Car Accidents and Rental Cars in OK

By on February 7, 2024 | Posted in: Auto Accident

Every day, people across the state of Oklahoma drive rental cars for myriad reasons: vacation, business, day rentals for hauling Facebook marketplace finds, or moving lumber and supplies for a DIY project. Whatever the reason, driving in a car that’s not your own can be unnerving. Even worse? Getting in an accident in a rental. The team at Car Accident Help is here for you after an accident. 

We’re an Oklahoma City-based team of experienced attorneys. Every day, we help individuals navigate the legal processes and insurance challenges that may follow car wrecks. Whether you were injured in an accident when driving a rental, or you have questions about navigating the complications of insurance companies after a wreck in a rental, contact our team for a free accident analysis

In this article, we’ll answer many of the most common questions about car accidents in rental cars. We hope you have never experienced a collision in a rental, but if you or a loved one have,  this guide might provide you with some helpful suggestions.    

Frequently Asked Questions About Car Accidents in Rental Cars 

Does getting in an accident impact my ability to get a rental? 

Getting in a car accident in your own vehicle may affect your rental prospects due to the increased risk perceived by rental companies. Rental companies often check driving records; recent accidents or a poor driving history might result in rental denials or higher rates. 

Some companies may offer rentals but impose additional conditions or require extra security deposits. Similar to the higher costs for younger drivers to rent, particularly accident-prone drivers may be subject to higher fees for rental cars.    

What do I do if I am in an accident in a rental car? 

In the unfortunate event of an accident, our attorneys always recommend prioritizing safety first by checking for injuries and seeking medical assistance if necessary. 

After seeing to safety needs, we recommend the following steps: 

  • Call 911 – Whether injuries were or were not caused by the accident, you should call 911 so police can respond to the accident. Insurance and rental companies often require a police report to process claims and determine fault.
  • If possible, protect the scene, yourself, and any passengers in your vehicle. Turn on your emergency lights, follow the law, and use safety sense when moving your car. 
  • Take photos and collect witness information – Following the accident, use your phone camera to safely take pictures and videos of your car and the other vehicles involved. If there are witnesses around, be sure to get their names and contact information. 
  • Exchange insurance information – Collect the other drivers’ names, phone numbers, license plate numbers, and insurance information. With available technology, this can usually be done by taking photographs of the information or using the scanner on your phone.
  • Notify the rental company immediately – The rental company may have particular protocols or information for you. They will also usually assist you with towing and getting a new rental car. Reporting the incident promptly is important for addressing damages and ensuring a smooth claims process. Our tip: when you are renting a vehicle, find out what telephone number you should save in your contacts. If any questions arise or you are in an accident, you will not need to look up the information.
  • Talk to a trusted Oklahoma car accident attorney – When you are in an accident in a rental, multiple insurance companies are involved: yours, the other drivers’, the rental company’s, and potentially your credit card company’s or your travel insurance company. With so many insurers involved, having a trusted car accident attorney on your side, like Oklahoma City’s Car Accident Help Team, is priceless.  

How does auto insurance work with rental cars in Oklahoma?  

Auto insurance in Oklahoma often extends coverage to rental cars. Your personal policy may include liability, comprehensive, and collision coverage for rentals. However, it’s important to check policy details, discuss your policy with your agent,  and consider purchasing additional coverage from the rental company to address any gaps in protection.

If you have questions about your coverage, call your insurance provider before you’re at the car rental counter. Oklahoma law requires you to have liability coverage to cover injuries and property damage caused in an accident.

Oklahoma’s minimum liability coverage is 25/50/25, or $25,000 of bodily injury protection per person, $50,000 per accident, and $25,000 of property damage protection.

The most common insurance provided by car rental companies is called collision damage waiver coverage or loss waiver insurance. You may not need this coverage if your existing collision and comprehensive insurance apply to rental vehicles. When you rent a car, you assume responsibility for any damage, but these policies offered by rental companies may release you from this obligation if damage occurs. For a full explanation, you might want to discuss these waivers with your insurance agent or the rental agency. 

Do I need to buy additional car insurance coverage? 

While your existing insurance may cover rental cars, purchasing additional coverage from the rental company can be prudent. Consider factors like liability limits and comprehensive coverage, especially if your personal policy has limitations. Extra coverage can offer peace of mind in case of unforeseen incidents. 

My credit card offers rental car insurance. What does that mean? 

Additionally, your credit card may offer rental car insurance. If your card does, you should consider this coverage secondary to primary insurance because it typically doesn’t provide complete liability, comprehensive, and collision coverage. It may only cover some damages, like physical damage to the vehicle. Most credit card plans do not cover liability or bodily injury. 

Does an accident in a rental car impact my insurance premiums? 

An accident in a rental car might impact your insurance premiums.  Because each insurance company has different policies, you would have to check with your insurance agent for a definitive answer to this question.

If the accident is deemed your fault, your rates may increase, though your Oklahoma insurance agent will ultimately be able to provide more information about what influences premiums. Timely reporting to your insurance company is important. Some policies may offer accident forgiveness, but the terms and conditions of your specific coverage may be unique to your policy or insurance company. 

If I am in an accident in a rental, whose insurance covers the damages? 

In most cases, if you cause the accident, your personal auto insurance covers the rental car’s damages. However, if your coverage is insufficient, the rental company’s insurance may come into play. Carefully review both policies, including deductibles and limitations, to ensure you have adequate protection in the event of an accident. 

If you are involved in an Oklahoma car accident caused by someone else, their insurance company should cover damages. If the other party’s insurance company requests that you provide a statement, you should first talk to a trusted attorney like the team at Car Accident Help. 

If you’re struggling to navigate insurance companies and claims after a car accident in a rental, contact our team of experienced car accident lawyers. Our attorneys can help clients by communicating with insurance companies. 

What steps do I need to take if another driver causes an injury accident when I’m in a rental?

In the unfortunate scenario of another driver causing an injury accident, follow the same steps listed above, including seeking medical attention if needed, gathering the other driver’s information, and contacting emergency services.   

Contact your insurance and rental company to report the incident promptly. Cooperation with law enforcement and thorough documentation will also aid in the claims process.

If you are seriously injured in an accident caused by another driver, contact Car Accident Help. In addition to helping drivers with insurance company challenges, we are experienced car accident injury lawyers who help our clients seek compensation following car accidents.  

What do I need to know about negligence by other drivers or rental car companies when driving a rental?  

If you are the victim of negligence by another driver or you suspect negligence by a rental company, the first step is to document the incident thoroughly. Contacting the police is often necessary, especially if the negligence has led to serious injury. 

Here’s one example of negligence on the part of a rental company: if you rent a car and as you leave the rental lot, you notice that the brakes seem faulty. Despite returning to the office and expressing your concern to the rental company, they assure you that the vehicle is safe and roadworthy. While driving, the brakes fail, leading to an accident. 

Rental car companies aren’t liable for any negligent actions of the people they rent to, but they may be liable for mechanical or maintenance issues that lead to injury, death, or other damages. 

Find Help After an Accident in a Rental Car in Oklahoma 

Consulting with an attorney experienced in personal injury and rental car claims can help you navigate potential legal complexities. Understanding your rights and responsibilities is essential for resolving negligence claims fairly. 
If you are involved in a situation involving the negligence of a rental car company, you’re not being treated fairly by car insurance, or another driver’s negligence caused you or a loved one permanent injury, contact Car Accident Help today for a free consultation

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Car Accidents and Rental Cars in OK

Every day, people across the state of Oklahoma drive rental cars for myriad reasons: vacation, business, day rentals for hauling Facebook marketplace finds, or moving lumber and supplies for a DIY project. Whatever the reason, driving in a car that’s not your own can be unnerving. Even worse? Getting in an accident in a rental. The team at Car Accident Help is here for you after an accident. 

We’re an Oklahoma City-based team of experienced attorneys. Every day, we help individuals navigate the legal processes and insurance challenges that may follow car wrecks. Whether you were injured in an accident when driving a rental, or you have questions about navigating the complications of insurance companies after a wreck in a rental, contact our team for a free accident analysis

In this article, we’ll answer many of the most common questions about car accidents in rental cars. We hope you have never experienced a collision in a rental, but if you or a loved one have,  this guide might provide you with some helpful suggestions.    

Frequently Asked Questions About Car Accidents in Rental Cars 

Does getting in an accident impact my ability to get a rental? 

Getting in a car accident in your own vehicle may affect your rental prospects due to the increased risk perceived by rental companies. Rental companies often check driving records; recent accidents or a poor driving history might result in rental denials or higher rates. 

Some companies may offer rentals but impose additional conditions or require extra security deposits. Similar to the higher costs for younger drivers to rent, particularly accident-prone drivers may be subject to higher fees for rental cars.    

What do I do if I am in an accident in a rental car? 

In the unfortunate event of an accident, our attorneys always recommend prioritizing safety first by checking for injuries and seeking medical assistance if necessary. 

After seeing to safety needs, we recommend the following steps: 

  • Call 911 – Whether injuries were or were not caused by the accident, you should call 911 so police can respond to the accident. Insurance and rental companies often require a police report to process claims and determine fault.
  • If possible, protect the scene, yourself, and any passengers in your vehicle. Turn on your emergency lights, follow the law, and use safety sense when moving your car. 
  • Take photos and collect witness information – Following the accident, use your phone camera to safely take pictures and videos of your car and the other vehicles involved. If there are witnesses around, be sure to get their names and contact information. 
  • Exchange insurance information – Collect the other drivers’ names, phone numbers, license plate numbers, and insurance information. With available technology, this can usually be done by taking photographs of the information or using the scanner on your phone.
  • Notify the rental company immediately – The rental company may have particular protocols or information for you. They will also usually assist you with towing and getting a new rental car. Reporting the incident promptly is important for addressing damages and ensuring a smooth claims process. Our tip: when you are renting a vehicle, find out what telephone number you should save in your contacts. If any questions arise or you are in an accident, you will not need to look up the information.
  • Talk to a trusted Oklahoma car accident attorney – When you are in an accident in a rental, multiple insurance companies are involved: yours, the other drivers’, the rental company’s, and potentially your credit card company’s or your travel insurance company. With so many insurers involved, having a trusted car accident attorney on your side, like Oklahoma City’s Car Accident Help Team, is priceless.  

How does auto insurance work with rental cars in Oklahoma?  

Auto insurance in Oklahoma often extends coverage to rental cars. Your personal policy may include liability, comprehensive, and collision coverage for rentals. However, it’s important to check policy details, discuss your policy with your agent,  and consider purchasing additional coverage from the rental company to address any gaps in protection.

If you have questions about your coverage, call your insurance provider before you’re at the car rental counter. Oklahoma law requires you to have liability coverage to cover injuries and property damage caused in an accident.

Oklahoma’s minimum liability coverage is 25/50/25, or $25,000 of bodily injury protection per person, $50,000 per accident, and $25,000 of property damage protection.

The most common insurance provided by car rental companies is called collision damage waiver coverage or loss waiver insurance. You may not need this coverage if your existing collision and comprehensive insurance apply to rental vehicles. When you rent a car, you assume responsibility for any damage, but these policies offered by rental companies may release you from this obligation if damage occurs. For a full explanation, you might want to discuss these waivers with your insurance agent or the rental agency. 

Do I need to buy additional car insurance coverage? 

While your existing insurance may cover rental cars, purchasing additional coverage from the rental company can be prudent. Consider factors like liability limits and comprehensive coverage, especially if your personal policy has limitations. Extra coverage can offer peace of mind in case of unforeseen incidents. 

My credit card offers rental car insurance. What does that mean? 

Additionally, your credit card may offer rental car insurance. If your card does, you should consider this coverage secondary to primary insurance because it typically doesn’t provide complete liability, comprehensive, and collision coverage. It may only cover some damages, like physical damage to the vehicle. Most credit card plans do not cover liability or bodily injury. 

Does an accident in a rental car impact my insurance premiums? 

An accident in a rental car might impact your insurance premiums.  Because each insurance company has different policies, you would have to check with your insurance agent for a definitive answer to this question.

If the accident is deemed your fault, your rates may increase, though your Oklahoma insurance agent will ultimately be able to provide more information about what influences premiums. Timely reporting to your insurance company is important. Some policies may offer accident forgiveness, but the terms and conditions of your specific coverage may be unique to your policy or insurance company. 

If I am in an accident in a rental, whose insurance covers the damages? 

In most cases, if you cause the accident, your personal auto insurance covers the rental car’s damages. However, if your coverage is insufficient, the rental company’s insurance may come into play. Carefully review both policies, including deductibles and limitations, to ensure you have adequate protection in the event of an accident. 

If you are involved in an Oklahoma car accident caused by someone else, their insurance company should cover damages. If the other party’s insurance company requests that you provide a statement, you should first talk to a trusted attorney like the team at Car Accident Help. 

If you’re struggling to navigate insurance companies and claims after a car accident in a rental, contact our team of experienced car accident lawyers. Our attorneys can help clients by communicating with insurance companies. 

What steps do I need to take if another driver causes an injury accident when I’m in a rental?

In the unfortunate scenario of another driver causing an injury accident, follow the same steps listed above, including seeking medical attention if needed, gathering the other driver’s information, and contacting emergency services.   

Contact your insurance and rental company to report the incident promptly. Cooperation with law enforcement and thorough documentation will also aid in the claims process.

If you are seriously injured in an accident caused by another driver, contact Car Accident Help. In addition to helping drivers with insurance company challenges, we are experienced car accident injury lawyers who help our clients seek compensation following car accidents.  

What do I need to know about negligence by other drivers or rental car companies when driving a rental?  

If you are the victim of negligence by another driver or you suspect negligence by a rental company, the first step is to document the incident thoroughly. Contacting the police is often necessary, especially if the negligence has led to serious injury. 

Here’s one example of negligence on the part of a rental company: if you rent a car and as you leave the rental lot, you notice that the brakes seem faulty. Despite returning to the office and expressing your concern to the rental company, they assure you that the vehicle is safe and roadworthy. While driving, the brakes fail, leading to an accident. 

Rental car companies aren’t liable for any negligent actions of the people they rent to, but they may be liable for mechanical or maintenance issues that lead to injury, death, or other damages. 

Find Help After an Accident in a Rental Car in Oklahoma 

Consulting with an attorney experienced in personal injury and rental car claims can help you navigate potential legal complexities. Understanding your rights and responsibilities is essential for resolving negligence claims fairly. 
If you are involved in a situation involving the negligence of a rental car company, you’re not being treated fairly by car insurance, or another driver’s negligence caused you or a loved one permanent injury, contact Car Accident Help today for a free consultation

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