We may not get snow in Tampa, but we do get an influx of snowbirds and visitors, especially in December.

With this increase comes busier roadways, and between holiday events, gatherings, and travelers passing through Tampa International Airport, it’s one of the busiest months of the year. 

And with more visitors come more rental cars.

If you’re involved in a rental car accident during the holidays, the situation can feel even more stressful than a typical crash.

There are more moving parts, more insurance companies, and more confusion about who pays for what.

Here’s what you need to know if you, or someone you know, finds themselves in this situation.

Who covers the cost of a rental car accident?

Rental car accidents can be complex because multiple insurance policies may apply.

Here’s how it generally breaks down.

1. Your Personal Auto Insurance

If you have personal auto insurance, your policy typically covers rental cars.

This means if you declined the rental company’s add-on insurance, your personal policy is typically the first line of coverage.

2. The Rental Car Company’s Coverage

If you purchased additional coverage at the counter, like a Collision Damage Waiver, it may cover part or all of the rental car damage.

3. The Other Driver’s Insurance

If the other driver caused the crash, their liability coverage should pay for your damages just as it would in any other accident.

But holiday travel increases the likelihood that the at-fault driver is:

• Uninsured
• Underinsured
• Driving a rental
• Visiting from out of state

All of these can complicate and slow down the claims process.

6 steps to take after a rental car accident 

If you’re in a crash involving a rental car, whether you’re driving one or hit by one, here’s what we encourage you to do.

1. Call 911 and Report the Accident

When multiple insurance companies are involved, a police report becomes essential.

Do not skip this step.

2. Take Extensive Photos

Your mind might be moving a mile a minute right after an accident, but always remember to take photos and videos of:

• All vehicles
• License plates
• Rental car barcodes or stickers
• Traffic signs and intersections
• Road conditions
• Visible injuries
• Airbags

3. Exchange Information With All Parties

These are the three most important pieces of information you should collect:

• Driver’s license
• Insurance card
• Rental agreement (or the company name and contract number)

4. Report the Crash to the Rental Car Company

Rental companies require immediate notice after an accident. The hotline number is usually printed on the key fob or paperwork.

5. Seek Medical Attention

Even if there are no visible injuries, always get checked. This protects your well-being and helps document your claim.

6. Contact a Personal Injury Attorney

With so many parties involved, it’s easy to get pushed around or delayed without representation.

Whether you were driving a rental car or were hit by one, you shouldn’t have to navigate a complicated insurance process alone.

Cappy Law understands the challenges that come with:

• Out-of-state drivers
• Conflicting insurance policies
• Multiple adjusters
• Delayed holiday claim processing
• Rental company requirements

Our team is here to help. Contact us today to book your free consultation.