Getting into an accident in a rental car is not an ideal situation for anyone. In fact, the situation strikes fear in many people when it happens to them. Am I going to have to pay for both cars? Will my insurance rate go up because of this accident? Of course, to make the situation even more complicated, it all depends upon a few factors. The first of these factors is whether or not it was your fault (legally) that the accident occured. You will be covered in a rental car under your insurance policy in the same way that you would if you had been driving your own car. If you are not sure about this, it is always a good idea to ask your car insurance company before driving in a rental car. Better to be safe than sorry.
There are also other factors that influence this situation. Depending on the severity of the accident, your liability in the situation may depend on the agreement that you had with your car rental company. It is important that you speak with your car rental company prior to driving their vehicle if this is something that bothers you. If your damage is small enough, the company may even let you continue driving the car until your rental period is up. In the event of an accident that renders your rental car undrivable, many companies will provide you with a second car. The chances of this happening becomes greater if you have a long history of safe driving on your record.
