What to Do After a Car Accident Involving a Rental Vehicle

Being involved in a car accident is stressful enough, but when a rental vehicle is involved, the situation can feel even more confusing. Many drivers in Cleveland and Northeast Ohio are unsure who is responsible, which insurance applies, and what steps they should take to protect their rights.

If you were hit by a rental vehicle, understanding how these accidents work can help you make informed decisions and avoid costly mistakes while focusing on your recovery.

What to Do Immediately After Being Hit by a Rental Vehicle

The first priority is your safety. Once everyone is out of danger and medical needs are addressed, taking the right steps at the scene can protect your legal rights and support your potential claim.

1. Exchange Information and Document the Scene

• Collect the driver’s name, contact information, insurance details, driver’s license number, license plate number, rental company name, and rental agreement number if available. Take photos of all vehicles, the accident scene, and any visible injuries. Gather witness information if possible.

2. Call the Police

• A police report is extremely important after a rental vehicle accident. It creates an official record of the incident and is often required by insurance companies to process claims.

3. Notify Your Insurance Company

• If you intend to hire counsel, call your attorney, and let them talk to your insurance company on your behalf.
• Even if you were not at fault, alert your insurer promptly. Early notification ensures your coverage is in place and helps preserve your rights.

4. Confirm That the Rental Company Was Notified

• While the rental driver is responsible for notifying the rental company, confirming that they have done so can prevent delays and simplify the claims process.

Who Pays for Damage After a Rental Car Accident?

Determining liability in a rental vehicle accident can feel complicated, but coverage generally follows a clear order:

• The At-Fault Driver’s Insurance
  • Their personal auto insurance is typically the primary source of coverage for both property damage and injuries.
• Rental Car Insurance Coverag
  • Some drivers purchase additional protection through the rental company, which may apply depending on the agreement.
• Credit Card Coverage
  • Certain credit cards offer limited coverage for rental vehicles, usually for vehicle damage.
• Your Own Insurance
  • If the at-fault driver has insufficient insurance, your uninsured or underinsured motorist policy may apply to your injuries or property damage.

Can You Sue the Rental Company?

Rental car companies are generally protected under the Graves Amendment, meaning they are not automatically liable when their vehicles are involved in accidents. The company may only be held responsible if it acted negligently, such as by providing an unsafe or improperly maintained vehicle.

Even when the rental company is not liable, documenting the accident and understanding coverage options is critical to protecting your rights. Knowing what insurance coverage applies and keeping detailed records—including police reports, medical records, photos, and rental agreements—will help strengthen your claim for the compensation you deserve.

Injury Claims After Being Hit by a Rental Vehicle

If you are injured, seek medical attention immediately, even if the injuries appear to be minor at first. Personal injury claims are typically filed against the at-fault driver.

Because rental vehicle accidents can involve multiple parties, including the driver, rental company, and insurers, having a Cleveland car accident attorney on your side can help protect your rights and handle communications with insurance companies and pursue fair compensation for medical bills, lost wages, and long-term recovery.

Frequently Asked Questions

1. Do I need to contact the rental company?

a. The rental driver is responsible for notifying the company, but confirming that the report was made can prevent delays in processing claims.

2. Who is responsible for damages?

a. The at-fault driver’s insurance usually covers damages first. Other coverage options may apply if the driver’s policy is insufficient.

3. Can I sue the rental company?

a. Generally, no, unless the company was negligent and provided a dangerous or improperly maintained vehicle.

4. What if the at-fault driver has no insurance?

a. Your uninsured or underinsured motorist coverage may provide compensation for injuries or damages.

Speak With a Cleveland Car Accident Attorney

Accidents involving rental vehicles can leave you juggling medical care, insurance questions, and the uncertainty of who is responsible. You don’t have to handle this alone.

At Friedman, Domiano & Smith, we help Cleveland drivers cut through the confusion. Our team provides clear guidance, manages communication with insurers, and fights for the compensation you need so you can focus on your recovery and peace of mind.

Reach out today for a free, no-obligation consultation. Let us handle the legal and insurance complexities while you concentrate on healing and moving forward.

Schedule Your Free Consultation