How to Get a Rental Car After an Accident

If you’ve been involved in a car accident, one of your immediate concerns may be transportation—especially if your vehicle is undrivable or in the shop for repairs. A common question we hear at Chandler Law is: How do I get a rental car after an accident? Below is a step-by-step guide to help you understand the process and your options.

Step 1: Determine Fault and Insurance Coverage

The first step is determining who is at fault for the accident. If the other driver is clearly liable and you have their insurance information, you can typically request a rental vehicle through their insurance company. This is the most straightforward path when another driver caused the collision.

If you’re at fault or fault is undecided, you’ll need to review your own insurance policy for rental car reimbursement coverage. This optional add-on pays for the cost of a rental car while your vehicle is being repaired, up to a daily and total maximum limit (e.g., $30/day up to $900 total).

Step 2: File a Claim Immediately

Contact the insurance company—either yours or the at-fault driver’s—as soon as possible. You’ll need a claim number to begin the rental car process. Delays in filing can lead to delays in getting a vehicle.

Step 3: Coordinate with a Rental Car Company

Insurance companies often have partnerships with national rental companies like Enterprise, Hertz, or Avis. These agreements may allow you to pick up a rental without paying upfront, as long as it falls within the coverage limits.

Let the rental company know your vehicle is in the shop due to an accident and provide them with your claim number and the insurance company’s contact information.

Who Pays for the Rental Car After an Accident?

This depends on several factors:

• If the other driver is at fault: Their insurance company should cover your rental costs.
• If you’re at fault and have rental coverage: Your insurance will pay within policy limits.
• If you don’t have rental coverage and fault is disputed: You may have to pay out-of-pocket initially and seek reimbursement later.

Can You Add Rental Car Insurance After an Accident?

Unfortunately, you cannot add rental car reimbursement coverage after the accident has occurred. This type of coverage must be in place before the incident. However, some rental companies may offer coverage or protection plans directly at the time of rental, which you can purchase out of pocket if needed.

What to Do If the Insurance Company Denies the Rental

Insurance companies may delay or deny your rental car request, particularly if liability is in dispute. In this case:

• Consider renting a vehicle yourself and keeping all receipts.
• Document all communication with the insurer.
• Speak with an attorney if the delay is unreasonable or affecting your daily life.
  

At Chandler Law, we assist accident victims with all aspects of their claims—including getting a rental car. If the insurance company is dragging its feet or denying valid rental coverage, we can help protect your rights and push for fair treatment.

FAQs: Rental Cars After a Car Accident

How long can I keep the rental car?
If you’re using the at-fault driver’s insurance, you can usually keep the rental until your car is repaired or deemed a total loss. If you’re using your own coverage, time limits depend on your policy (often capped at 30 days).

What kind of rental car can I get?
Most policies and insurance providers only cover a rental comparable to your vehicle’s size and type—not luxury upgrades.

Do I have to use a specific rental company?
Not necessarily, but using a rental partner preferred by the insurance company may avoid upfront costs and paperwork delays.

Will the insurance pay for gas, tolls, or insurance on the rental?
Generally, no. You’re responsible for gas, tolls, and optional rental insurance coverage unless otherwise stated in your policy.

Learn More About Your Rights After a Crash

For more guidance on car accidents, insurance claims, and your legal rights, visit our Automobile Accidents practice area page.

Contact a Fresno Accident Lawyer Today

If you’re struggling with transportation after a crash or facing delays from the insurance company, call Chandler Law. We’ll help you understand your options, handle communications with insurers, and fight to get you back on the road and fully compensated.

Disclaimer: This blog is for informational purposes only and does not constitute legal advice. To receive personalized advice for your situation, consult an attorney.