What do I do If I was in an Accident With Someone Driving a Rental Car?

While rental car accidents might seem more complicated than standard collisions, the process for getting compensation is largely the same. The key is determining which insurance policy—renter’s personal insurance, rental car company coverage, or another policy—will apply. In the attached video, attorney Bryan Garrett explains what happens when you’re hit by a driver operating a rental car—and how to make sure you aren’t left footing the bill.

If the at-fault driver purchased coverage through the rental agency, that policy may handle your claim. More often, though, the driver’s personal auto insurance is the primary coverage. Even if the driver has no insurance, there may still be coverage available through your own uninsured motorist policy or other third-party sources. The challenge lies in figuring out which insurer is responsible—and getting them to pay.

That’s where legal experience makes all the difference. Insurance companies and rental agencies frequently shift blame or deny liability, especially when policies overlap or are unclear. Our firm regularly handles these types of claims and knows how to identify the correct coverage and pursue full compensation for medical bills, lost wages, and pain and suffering.

If you were injured in a car accident involving a rental car, don’t guess who’s responsible—get clarity and protection now. Call for a free consultation and let an experienced attorney fight for your rights.

FAQs

Who pays for damages in an accident involving a rental car?
It depends on who was at fault and what insurance coverage is available. The rental driver’s personal auto insurance or the rental company’s policy typically provides coverage.

Can I sue the rental car company after an accident?
Generally, you cannot sue the rental car company unless they were negligent in maintaining the vehicle or renting to someone unqualified. Most claims are handled through insurance policies.

What if the rental car driver doesn’t have insurance?
You may be able to file a claim through your own uninsured motorist coverage or seek compensation from any minimal coverage provided by the rental agency.

Do I need a police report after an accident with a rental car?
Yes. A police report is critical for establishing fault and supporting your insurance claim or any potential legal action.