Auto Accidents are part of life on the roads. More than six million motor vehicle accidents just last year alone, and with more than two million of those accidents resulting in injury, there's a good chance that you or someone you know will either be involved in an accident, know someone involved in an accident, or be a witness to an accident this year.
It's confusing after the wreck. This post addresses a rental car:
I was in a traffic accident, it wasn't my fault, do I get a rental vehicle?
Some traffic accidents are simple. Some are not. Fault isn't usually established at the scene of the accident. The only way fault is established at the scene of a traffic accident is if a police officer witnesses the accident. For the sake of discussion we are going to assume that all the drivers involved were insured.
You have a couple of options here. Call your insurance agent and tell them you were involved in a traffic accident, give them all the details plus the name of the person that hit you and their insurance agent. Call the other persons insurance agent and tell them that their insured driver hit you in a traffic accident. You must work both sides of the fence here to get your rental vehicle quickly.
In all cases, it takes a couple of days to finally get a rental vehicle issued. If both sides drag their collective feet and will not issue a rental vehicle and you need an auto to do you job, rent a vehicle with your money. One of the two insurance companies will settle up with you later in this process.
Before a rental vehicle can be issued by either side, an insurance adjuster will be called out to look at the damage to your vehicle. If it is worth repairing, they will authorize a rental vehicle for you. If your vehicle is not worth repairing, then you will not be authorize for a rental vehicle. Instead, the insurance company will settle up with you on what they think your vehicle was worth.
