Whether you are driving your own car or a rental one, getting involved in an accident with either one of it is not something great an experience. Either way it is stressful where you and your fellow passengers may get hurt as well as damage the structure of the car.
The stress is, even more, when it concerns a car rental Toronto service. Whether it was your mistake or not, the damage was caused while you were driving it so anytime you get involved in an accident with a rental car, there are a few things to do.
Firstly, you are to make sure that you as well as your fellow passengers aren’t hurt. If there is a fire in the car, ensure that you escape it at the soonest before it explodes. If any of you is hurt in any manner, the first call should be to 911. The calling up routine starts from thereon.
- Call the Cops – This call should be to put up an alert and inform them about all that happened and lodge an accident report stating all that happened.
- Call the rental company – Since the car belongs to the car rental Toronto company and you have just borrowed it, they need to be informed. Their contact details could be found in the papers they helped you with.
- Call your insurance company – If you own a collision and comprehensive coverage on your car insurance policy, this will help you even when you drive a car on rent.
Knowing the insurance coverage for the accident
Once all the calls are made, the next thing is to figure out who would be responsible for the financing the repair and servicing of the damaged car.
If you have purchased the rental car insurance policy at the time of renting the car, it is less likely that you have to pay for the repairs from your account. That does not end there. There are times when these insurance policies have these fine prints on them that we often overlook. It may cover the damage caused as well as the medical expenses after the accident; it may also be the secondary coverage which would come to effect when your car insurance pays first.
Check if you paid the rental costs with your credit card
There are several credit cards that come with free automobile insurance, and it is likely to come to your rescue when you pay for the money at car rental Toronto in full with the help of the credit card. Any other method used to pay wouldn’t help you in any manner. This insurance doesn’t always have medical costs covered, and so you need to check with the company for it.
The next step
Once you know who and how will they pay for the damage caused, the service provider would make you go through paperwork where you may have to put across police reports and other evidence if any. The repair work would be carried out by the designated people as taken care by the car rental Toronto company and you do not have to be bothered about it.
You never know what the future holds for you and so having a comprehensive car insurance policy helps you for multiple reasons. It protects you financially when you meet with an accident with your car or a rental one.