One of your most pressing problems after a car accident is getting your car repaired or replaced. This usually involves getting a rental car while your car is repaired or inoperable. One of the most common questions we hear is “Should I use my car insurance company or the at-fault driver’s?” If the other driver was at-fault, you can use either. There are pro’s and con’s to using each.
Getting a Rental Car Using Your Insurance
Rental car coverage is an optional type of coverage for Georgia residents. That means you may not have rental car coverage. Check your policy or call your insurance company to see if you have rental coverage. If you have rental coverage, see what the daily limit is on cost. A lot of rental car coverages will only pay up to a certain dollar amount per day for a rental, like $30 per day. You will want to get a car under that limit or face having to pay the difference out of pocket.
Getting a Rental Car Using At-Fault Driver’s Insurance
If the other driver was at fault, you can use his/her insurance company to provide you with a rental car while your car is being repaired or replaced. You will have to open a claim first. Then, the adjuster will usually reserve a rental car for you and provide you with the reservation number to pick up the car. The only frustrating thing that can occur with using the at-fault insurance company for a rental car is that they may take a week to investigate the claim before providing you with a rental. You may be without a car during that time.
General Rental Car Tips for After Car Accidents
- Your rental car should be comparable to your car. If you were driving a mini-van because of your kids, you need a mini-van rental or a large SUV.
- If your car is a total loss, you need to be aware that at-fault insurance companies will only let you stay in a rental car for a few days (like 2-3) after they make you an offer on your car’s fair market value. Don’t get caught getting the rental car yanked and not having a replacement vehicle lined up.
- Don’t let the rental car company up-sell you on additional insurance for your rental car. Sometimes they will lie and say the insurance company will pay for the additional coverage. They won’t. You will get charged and it can go well over $100 when all is said and done.
Need More Help? Get Our Property Damage Guide for Free!
If you want more information about what you should do after your car has been damaged in a car accident, you can download a FREE copy of David Brauns’ book - Tricks to the Fix: Your Ultimate Guide to Dealing with a Wrecked Car. You can also call our hotline at (404) 418-8244 to speak with a team member.