How do you claim rental car insurance?

This is my first time driving a rental car, and I’m worried about getting into an accident and how that process would work. I got rental car insurance just to be safe, of course, but in the event of an accident, how do I make a claim on rental car insurance?

Being worried about an accident in your rental car is totally understandable. To claim rental car insurance, get in contact with your rental car company, report the accident and ask the company how to proceed. Typically, they will have you fill out an incident report which will consist of:
  • the make, year, model, and color of every car involved in the accident, plus any standout details about any of the cars.
  • the exact location of the collision, including street names and which lane the accident occurred in.
  • how the accident happened.
Next, get in contact with your own insurance company and file a claim through them. Even in the case of an accident with a rental car, your existing car insurance policy will act as your primary coverage. Any rental car insurance will act as secondary coverage and will go into effect after your primary coverage has been established. Generally, your rental car insurance can reimburse you for your auto insurance deductible and take care of any extra days you may have to keep the car while it is being repaired.
If your deductible is very high, you still run the risk of having to pay out of pocket, and while taking on a higher deductible can save you money on your premium, in events like this you can take a large financial hit. A better way to save money on car insurance is by shopping with the Jerry app. We’ll get you personalized quotes from top insurers, so that all you need to do is pick the plan that works best for you. And once you pick one, we’ll help you switch over!
Enjoy your rental car, and hope that all goes smoothly!
Chloe Jenkins
Answered on Dec 29, 2021
Chloe has a BA in Communication and Media Arts from Montclair State University and more than four years of experience in content writing, editing, and research. Before getting behind the keyboard at Jerry, Chloe was an Assistant Coordinator at her university and a film enthusiast working for the Montclair Film Festival. When she's not writing about car insurance, she spends her time with her pets, playing video games, or enjoying long weekend hikes.

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