<p>Having the appropriate insurance coverage is essential to guarantee driving peace of mind when renting a car for a few days or weeks. Many renters are unsure of their alternatives, and rental car insurance packages can occasionally appear difficult. For people who require flexible, short-term protection while driving, short-term auto insurance for rental cars is made to cover drivers for the length of the rental.</p><p></p><p>We will go over all you need to know about short-term auto insurance for rental cars in this comprehensive guide, including what it covers, how it operates, and how to choose the best plan for your requirements. This guide will assist you in navigating the frequently complicated world of rental automobile insurance, whether you are traveling for work or pleasure.</p><p></p><h2>What is Short-Term Auto Insurance for Rental Cars?</h2><p></p><p>Rental car short-term auto insurance is a type of short-term insurance policy that offers protection for a set amount of time, typically one day to a few weeks. Short-term insurance is intended for those who require coverage for the duration of their rental, as opposed to regular auto insurance policies, which cover a vehicle for a longer period of time. This makes it the ideal option for anyone who requires a rental automobile for a brief period of time, including business and vacation travelers.</p><p></p><p>Although third-party insurers also provide stand-alone short-term rental car insurance, this kind of insurance is typically available directly from the rental car company. Because of this flexibility, drivers can customize their coverage to meet their unique needs without having to commit to a long-term insurance.</p><p></p><h2>Types of Short-Term Auto Insurance for Rental Cars</h2><p></p><p>Making the best choice requires knowing what each of the many short-term auto insurance options for rental cars covers. Below is a summary of the most prevalent kinds.</p><p></p><h2>1. Collision Damage Waiver (CDW)</h2><h2></h2><p>One of the most common choices provided by rental car companies is the Collision Damage Waiver. In the case of an accident, it covers crashes and other physical damages to the rented car. Although CDW usually has a deductible, it is frequently covered by the rental fee. Note that CDW may have exclusions for specific accident types and typically does not cover damage to tires, windows, or undercarriages.</p><p></p><p>There may be a Super Collision Damage Waiver (SCDW) available for people who desire more comprehensive coverage. This gives renters more complete protection by frequently lowering or eliminating the deductible.</p><p></p><h2>2. Theft Protection (TP)</h2><p></p><p>Another popular choice provided by rental car agencies is Theft Protection. Theft Protection will cover the cost of replacing the rental car if it is stolen or vandalized while it is being used. However, personal property that is stolen from the vehicle is typically not covered by this coverage, so you might need to get additional coverage.</p><p></p><h2>3. Third-Party Liability Insurance</h2><p></p><p>Another popular choice provided by rental car agencies is Theft Protection. Theft Protection will cover the cost of replacing the rental car if it is stolen or vandalized while it is being used. However, personal property that is stolen from the vehicle is typically not covered by this coverage, so you might need to get additional coverage.</p><p></p><h2>4. Personal Accident Insurance (PAI)</h2><p></p><p>Medical costs are covered by personal accident insurance in the event that the driver or any passengers in the rental car are hurt in an accident. Hospitalization, ambulance costs, and occasionally even death benefits may be covered by this insurance. It is crucial to confirm if medical expenses are already covered by your current health insurance or travel insurance, as PAI might duplicate that coverage.</p><h2></h2><h2>5. Personal Effects Coverage (PEC)</h2><p></p><p>In the event that the rental automobile is stolen, your personal possessions are protected by personal effects coverage. Travelers that have valuables in the car throughout their trip, including electronics or bags, may find this helpful.</p><h2></h2><h2>6. Standalone Short-Term Rental Car Insurance</h2><p></p><p>You can get short-term rental car insurance from third-party insurance firms in addition to the choices offered by rental car businesses. For people who want more control over their coverage or who want a better value than what the rental company is giving, standalone short-term rental car insurance packages are perfect. These plans may be less expensive than rental companies, but they frequently provide the same or more coverage.</p><p></p><h2>Does Your Personal Auto Insurance Cover Rental Cars?</h2><p></p><p>Whether your current auto insurance covers rental cars is one of the most crucial issues to ask when thinking about short-term auto insurance for rental automobiles. Depending on the details of your policy, a lot of personal auto insurance policies cover rental automobiles.</p><p></p><h2>Liability Coverage</h2><p></p><p>Rental cars are typically covered by liability coverage if you have it on your personal auto insurance policy. This implies that your personal liability insurance will cover any damages to other cars or property if you cause an accident while operating a rented automobile.</p><h2></h2><h2>Collision and Comprehensive Coverage</h2><p></p><p>Rental cars are probably covered if your personal auto policy includes accident and comprehensive coverage. If an accident occurs or the rental car sustains damage from non-collision incidents like theft, vandalism, or weather-related damage, this policy will protect you.</p><p></p><h2>Deductibles</h2><p></p><p>The rental automobile may be covered by your personal insurance, however be aware that the deductible will still be applicable. This implies that you might still have to pay the deductible before your insurance pays the remaining balance if your rental automobile is damaged.</p><p></p><h2>Exclusions</h2><p></p><p>Rental cars are excluded from several personal auto insurance policies. For instance, your personal coverage might not cover expensive cars or other types of rental cars. Furthermore, rental cars used for business or outside of specific geographic areas can not be covered by policies.</p><p></p><p>Before renting a car, it is a good idea to give your insurance company a call to make sure your personal auto insurance covers rental cars and to find out about any restrictions or limitations.</p><p></p><h2>Credit Card Rental Car Insurance Coverage</h2><p></p><p>If you pay for the rental with a credit card, many of them also come with rental car insurance as a bonus. Usually, the coverage covers theft, collision damage, and occasionally third-party liability. However, credit card insurance policies frequently have requirements that must be fulfilled, such refusing the CDW insurance offered by the rental firm.</p><p></p><p>Read the fine print to comprehend the coverage limits, exclusions, and necessary conditions if you intend to pay for your rental car insurance using a credit card. Additionally, you should confirm if the card has primary or secondary coverage. While secondary coverage only applies after your primary insurance has run out, primary coverage means that your credit card insurance will pay for damages before your personal insurance takes effect.</p><p></p><h2>How to Choose the Right Short-Term Auto Insurance for Rental Cars</h2><p></p><p>The worth of the rental car, your destination, the type of rental car you are using, and your existing insurance coverage all play a role in selecting the best short-term auto insurance for rental cars. Here are some things to think about:</p><p></p><h2>Assess Your Existing Coverage</h2><p></p><p>Examine your credit card perks and personal auto insurance coverage before acquiring additional rental car insurance. You might not need to get extra insurance from the rental company if your personal insurance covers rental automobiles and you are okay with the coverage limits. However, acquiring short-term auto insurance can offer extra protection if your personal plan has restrictions or limitations.</p><p></p><h2>Consider the Type of Car You’re Renting</h2><p></p><p>It is critical to realize that ordinary rental car insurance coverage might not cover exotic, luxury, or sports cars in the event that you are renting one. To secure these expensive vehicles, you might need to get extra coverage.</p><p></p><h2>Evaluate the Coverage Options</h2><p></p><p>Examine your alternatives for coverage when selecting a short-term auto insurance policy. While some insurance simply cover minor damage to the rental automobile, others provide more extensive coverage, such as coverage for medical costs or personal belongings. Verify that the policy you choose satisfies your requirements.</p><p></p><h2>Understand the Costs</h2><p></p><p>Insurance for rental cars can be costly, particularly if you want to include a lot of extra coverage. You might be able to avoid getting additional insurance if rental automobiles are already covered by your credit card or personal auto insurance. Make sure to figure out the insurance's overall cost and compare it to the benefits of coverage and possible hazards.</p><p></p><h2>Read the Terms and Conditions</h2><p></p><p>Read the terms and conditions of any short-term auto insurance policy before enrolling. Be mindful of the coverage's breadth, exclusions, and deductible. Be sure you know what is covered in the event of an accident or theft, as well as the claims procedure.</p><p></p><h2>Conclusion</h2><p></p><p>Travelers who require a rental automobile for a little time can benefit greatly from short-term auto insurance. Understanding your options and choosing the best coverage for your needs is crucial, regardless of whether you are depending on credit card perks, personal auto insurance, or coverage from the rental car company. You can guarantee a hassle-free rental experience and travel with peace of mind by doing this.</p><p></p>

Are you trying to find short-term rental car auto insurance? Discover the various alternatives for coverage, how they operate, and how to pick the best policy for your rental. Travel with peace of mind and stay safe.

Short Term Auto Insurance for Rental Cars​

<p>Accidents can happen at any time, and after the dust settles, you might not have a car while you wait for repairs. Finding a rental automobile becomes crucial whether your vehicle is being repaired or you are navigating the claims procedure following an accident. Thankfully, renting a car following an accident is a fairly simple process, but it varies depending on your location, insurance coverage, and the laws of the nation you are driving in. With a focus on the procedures in the USA, Canada, Australia, and Europe, we will describe how to hire a car following an accident in this blog.</p><p></p><h2>Step 1: Assess the Situation and Notify Your Insurance Company</h2><p></p><p>Making sure everyone is safe and calling emergency services if necessary are the first things to do following an accident. It is time to contact your insurance company when the urgent issues have been resolved. In order to decide how your rental car expenditures will be handled, it is imperative that you notify your insurer.</p><p></p><p>Your insurance provider will ask you the following questions when you call them</p><p></p><p>The accident's specifics, including the cause.</p><p></p><p>If you are covered by rental reimbursement.</p><p></p><p>If there is a preferred rental car company for your insurer.</p><p></p><p>Insurance Coverage Is Important Although it is not always the case, most insurance policies cover rental costs if an accident leaves your automobile in the shop. Check your coverage specifics to see if rental reimbursement coverage is included; in many policies, it is an optional add-on. The at-fault driver's insurance might pay for your rental if you do not have rental reimbursement coverage, but this could take some time.</p><p></p><h2>Step 2: Determine Who Pays for the Rental Car</h2><p></p><p>Who is responsible for the accident will determine how you rent a car after it happens. The procedure functions as follows in various scenarios:</p><p></p><h2>If You’re At Fault</h2><p></p><p>If your insurance policy covers rental reimbursement, it will pay for the rental while your car is being fixed if you were at fault in the collision. Depending on the details of your coverage, you might have to pay up front and then receive reimbursement from your insurer.</p><p></p><h2>If the Other Driver is At Fault</h2><p></p><p>The cost of your rental automobile should be covered by the other driver's insurance if they are at fault. It can take a few days for their insurer to handle the claim and verify culpability, though. To speed up the claims procedure in this instance, it helps to have documentation like pictures of the accident scene and the police report.</p><p></p><h2>If You Live in a No-Fault State (USA) or Similar Regions</h2><p></p><p>There are states in places like the USA that have no-fault insurance. Regardless of who is at fault, your own insurance will pay for your rental if you reside in one of these states. Your insurer might still, however, seek payment from the at-fault driver's insurance.</p><p></p><h2>Step 3: Rent the Car from a Rental Agency</h2><p></p><p>It is time to make rental automobile arrangements after the insurance issue has been resolved. You can have your insurance provider make the arrangements or deal directly with the rental business. Here are some tips for navigating the renting procedure in different areas:</p><p></p><h2>USA</h2><p></p><p>After an accident, renting a car in the US is quite simple, particularly if you have rental reimbursement insurance. This is how it operates:</p><p></p><h2>Rental Reimbursement Coverage</h2><p></p><p>Your insurer will usually pay for the rental expenses while the repair is being done if you have rental reimbursement coverage. You must get in touch with a rental company and give them your insurance information.</p><p></p><h2>Direct Billing</h2><p></p><p>Numerous large rental car firms, including Hertz, Enterprise, and Avis, have alliances with insurance providers. This implies that you will not have to pay up front if you are dealing with your insurer, as they might bill the agency directly.</p><p></p><h2>Limits on Coverage</h2><p></p><p>Depending on your insurance policy, the majority of rental reimbursement coverage in the USA is capped at a daily rate (generally $30 to $50 per day) for a maximum of a specific number of days (usually 30 days). You can be liable for the difference if the rental goes over this sum.</p><p></p><h2>Canada</h2><p></p><p>Although there are some differences depending on the province and insurance provider, the procedure in Canada is fairly similar to that in the USA.</p><p></p><h2>Rental Coverage</h2><p></p><p>Rental reimbursement, often known as "Loss of Use," is frequently offered as an elective supplement to full-coverage insurance plans. Its accessibility, however, could differ by province.</p><p></p><h2>Insurance Policies</h2><h2></h2><p>Different provinces may have different insurance needs, such as British Columbia and Ontario. For example, the rental may be covered by the public insurance system (ICBC) in British Columbia, whereas private insurance companies are more prevalent in Ontario.</p><p></p><h2>At-Fault vs. No-Fault Accidents</h2><p></p><p>No-fault insurance is available in some jurisdictions, like Quebec, which means that your own policy will pay for your rental regardless of who was at fault.</p><p></p><h2>Australia</h2><p></p><p>Although Australia's procedure is similar to that of the United States and Canada, it is important to pay attention to the following information.</p><p></p><h2>Rental Coverage</h2><p></p><p>Rental automobile coverage may be covered if you have comprehensive insurance, though some plans require an additional payment.</p><p></p><h2>At-Fault Accidents</h2><p></p><p>Unless you have special coverage for this, you will be responsible for paying the rental fees if you are at fault.</p><p></p><h2>Duration of Coverage</h2><p></p><p>Unless you have special coverage for this, you will be responsible for paying the rental fees if you are at fault.</p><p></p><h2>Europe</h2><p></p><p>Because different countries have different laws and insurance procedures, renting in Europe is more complicated. Here's a guide to the procedure.</p><p></p><h2>Insurance Policies</h2><p></p><p>As part of their complete insurance package, the majority of European insurance policies cover rental cars. Nevertheless, you might have to cover the rental fee up front and file a claim for refund.</p><p></p><h2>Cross-Border Insurance</h2><p></p><p>Be advised that insurance regulations may vary from one European nation to another if you are in an accident while traveling between them. Although the procedure could be more involved and time-consuming, your insurer will typically pay for the rental expenses.</p><p></p><h2>Fault and Liability</h2><p></p><p>Your rental will usually be covered by the other driver's insurance if you are not at fault. Because certain nations may have slower fault-finding procedures, make careful to document everything.</p><p></p><h2>Step 4: Return the Rental Car</h2><p></p><p>You will have to return the rental car after your automobile has been fixed or replaced. Make sure you</p><p></p><p>Check the vehicle for any fresh damage and notify the rental company of it.</p><p></p><p>In the event that you need to submit a claim for compensation, keep any supporting documentation, such as rental agreements and receipts.</p><p></p><h2>Conclusion</h2><p></p><p>After an accident, renting a car does not have to be a difficult experience. You can make sure that your rental car is set up swiftly and with the least amount of difficulty by being aware of your insurance coverage and the regional variations in policies across the USA, Canada, Australia, and Europe. To make the claims process go as smoothly as possible, always buy the correct car for your needs, keep in touch with your insurer, and keep thorough records of everything.</p><p></p>

Use our thorough guide to find out how to get a rental car after an accident. Learn about insurance coverage, rental options, and advice for seamless claims and rental processes in the USA, Canada, Australia, and Europe.

How to Get a Rental Car After an Accident​

<p>Vehicle insurance is an important part of responsible vehicle ownership. Minimum liability covers can meet legal requirements in most states, but in many cases important cover remains when it comes to more serious accidents and damages. Here you will find complete car insurance. A more comprehensive policy and full coverage insurance offers many safeguards to help you feel at ease on the street. The good news is that as long as you know where you have to search and which factors affect the cost, you can find cheap and complete car insurance. In this blog, you will be deeply immersed in full vehicle insurance, discuss some of the states you are most urgently asked, explore your products with various insurance providers, and benefit of coverage you've been expecting and explains the premium.<br></p><h2>What is complete vehicle insurance? <br></h2><p>The term full coverage varies slightly from provider to provider, but generally includes the following combinations<br></p><p>1. Responsibility for physical harm <br>2. Liability for property damages<br></p><p><strong>Collision cover:</strong> This covers the cost of repair or replacement of your vehicle if it is in a collision condition, regardless of who is liable for another Damage to the vehicle or object.<br></p><p><strong>Comprehensive Coverage:</strong> This protects your car from non-collision damage such as theft, vandalism, natural disasters, and animal hits. With drivers who do not have insurance or do not have sufficient coverage. accident.<br></p><p><strong>Roadside Assistance:</strong> Many complete insurance guidelines include this option to provide services such as towing, fuel supply, and emergency tire changes. A critical factor to avoid protection, significant costs after an accident or misfortune. <br><br>But how do you find the cheapest option for this extensive cover?<br><br>For example, cheap car vehicle insurance ,while full insurance assistant insurance is generally more expensive than basic liability insurance, maintaining affordable premiums without affecting the coverage you need There is a way to do this. Below are some tips for finding cheap full coverage insurance.<br></p><h2><strong>1. It's best to buy nearby</strong><br></h2><p>It's best to make sure you get the cheapest price to compare offers from different providers. Insurance premiums may vary widely from company to company. Therefore, it is important to receive several offers to ensure you get the best offers.<br></p><h2><strong>2. If you decide to deduct deductible </strong><br></h2><p>the deductible (the amount paid in the event of a claim) can reduce your insurance premium. If you need to file a claim, make sure that the deductible is still affordable.<br></p><h2><strong>3. Your driving history </strong><br></h2><p>Clean driving record is one of the biggest factors affecting your premiums. If you have had an accident or violation in the past, your insurance premium will be higher. However, if you maintain a clean recording over time, you can benefit from a low installment.<br></p><h2><strong>4. Bundle the policies</strong></h2><p></p><p>This will provide a significant discount if many insurance companies bundle several policies, such as car and home insurance under one provider, so the total cost of cover costs will be the same. It will be reduced. By integrating the cover, you can simplify the payment process and enjoy low premiums with both guidelines at the same time.</p><p></p><h2><strong>5. Use discounts</strong><br></h2><p>Insurers offer a variety of discounts, including safe travel, anti-theft devices, low fuel consumption, excellent students and more. To reduce your premium, be sure to ask for all the discounts available.<br></p><h2><strong>6. Choose the correct cover for your vehicle</strong><br></h2><p>If you have an older vehicle that doesn't have much value, you may want to do it without a specific type of cover, such as a collision or comprehensive insurance. However, if your vehicle is relatively new or highly valued, it is worth investing in a full cover.<br></p><h2>Auto Insurance and High Demand States<br></h2><p>Specific states have a higher demand for full insurance, including repair costs, including repair costs, including repair costs. In some states that have the most important demand for full reporting,<br></p><h2><strong>1. California</strong><br></h2><p>California is known for its high cost of living, and car insurance is no exception. Overloaded highways, potential accidents, and risk of forest fires often turn California drivers into full covers to ensure that their vehicles are properly protected. Additionally, the state's large population and the number of luxury cars on the streets have been covered by popular election insurance. Every year, depending on factors such as vehicle type, driving history, and where you live in the state. Theft and detours of rental cars in the event of an accident.<br></p><h2><strong>2. Florida</strong><br></h2><p>Florida is another state with high demand for auto insurance, especially due to the risks of hurricanes and flooding states. Additionally, the streets of Florida accidents are known and provide comprehensive protection for many drivers. Year one is affected by factors such as weather-related risks, driving courses, and vehicle type on the street. Protect yourself from accidents with drivers that are lacking in insurance.<br></p><h2><strong>3. Texas</strong><br></h2><p>Texas drivers are often exposed to extreme weather conditions, including everything, tornadoes and floods. The vast size of the state and busy urban areas also contributes to the high demand for widespread protection. Location (city and principal), vehicle type, damage history. Roadside complete loss and help.<br></p><h2><strong>4. New York</strong><br></h2><p>In countries such as New York, full insurance is available for heavy traffic driving conditions, harsh winters, and the risk of accidents. Furthermore, New York has a dense urban population that increases the likelihood of conflict. Accidents in areas with high population density.</p><p>Add-ons: New York drivers can consider adding personal injury (PIP) coverage as well as comprehensive coverage of snowstorms and other severe winter weather.<br></p><h2><strong>5. Georgia</strong><br></h2><p>Georgia's warm climate and the frequent risks of storms, including tornadoes, are essential for full coverage insurance for drivers. The state's busy metropolitan areas, particularly Atlanta, are also contributing to the demand for comprehensive vehicle insurance. Drives, vehicle types, and reports. <br></p><p><strong>6. Illinois</strong><br></p><p>Illinois is an increasingly popular state where auto insurance is especially popular in large cities like Chicago. A combination of harsh winters, increased or country locations, vehicle type, driving records.</p><h2><br><strong>List of the Insurance Providers Covers Full Coverage</strong><br></h2><p>It is important that the insurance company and product that should be considered to guarantee full coverage of affordable vehicle insurance, both the reputation and product range of the insurance company. Below are some of the top insurance companies and their popular fully covered products.<br></p><p><strong>1. Geico</strong></p><p></p><p>Product Details: GEICO is one of the most popular insurance companies in the United States and is known for offering affordable prices. Your full insurance includes liability, conflict, comprehensive, health insurance, and uninsured driver protection. Geico also offers road traffic refunds and car rental refunds as an optional add-on.</p><p><br>Premium: GEICO usually offers premiums of between 1,200-1,500 USD per year for full coverage, depending on a variety of factors such as driving records, location, and vehicle type.<br></p><p>Add-Ons: Roadside assistance, rental car reimbursement, and gap insurance.<br></p><p>Benefits: 24/7 customer support, users to manage guidelines and requirements - friendly mobile apps, and some discounts, including bundling and safe driving.<br></p><p><strong>2. State Farm</strong></p><p></p><p>Product Details: State Farm offers comprehensive coverage options, including liability, conflicts and comprehensive coverage. The complete cover plan also offers optional add-ons such as car rentals, street aids, and car pools.</p><p></p><p>Premium: Complete coverage premiums with state farms range from USD 1,400 to USD 2,000 per year, depending on driving habits and location.</p><p></p><p>Add-Ons: Roadside assistance, rental car reimbursement, and accident forgiveness.</p><p></p><p>Benefits: Excellent customer service, local agents who can provide personalized services, bundled guidelines and some discounts for safe driving.<br></p><p><strong>3. Progressive</strong></p><p></p><p>Product Details: Progressive offers complete customizable insurance guidelines including liability, conflict, comprehensive, and non-insured driver coverage. The Progressive Snapshot Program allows you to track driving habits that allow you to receive discounts.</p><p></p><p>Premium: Premiums usually range from USD 1,300 to USD 2,000 per year depending on the vehicle, driving time and location.<br></p><p>Add-Ons: Roadside assistance, gap insurance, and rental car reimbursement.</p><p></p><p>Benefits: There are discounts for safe driving, multi-policy bundling and having multiple vehicles. A strong online presence is one of the things that Progressive has.Rephrase<br></p><p><strong>4. Allstate</strong></p><p><br>Product Details: Full coverage options include liability, collision, and comprehensive insurance. Personal injury protection and uninsured motorist protection are also available. Add-ons like accident forgiveness and a safe driving bonus are provided by the company.</p><p></p><p>Premium: For full coverage, the average premium is between $1,400 and $2,200 annually.</p><p></p><p>Add-Ons: Roadside assistance, gap insurance, and accident forgiveness are included.</p><p></p><p>Benefits: There is a rewards program through the Drivewise app. They have a mobile app that is user-friendly.</p><p></p><p><strong>5. Farmers Insurance</strong><br></p><p>Product Details: Farmers has full coverage auto insurance with liability, collision, and comprehensive coverage. Add-ons like rental reimbursement and roadside assistance are offered.<br></p><p>Premium: Farmers premiums are based on a number of factors including driving record, location, and type of vehicle. Typically it will be range from $1,500 to $2,300 annually for full coverage</p><p></p><p>Add-Ons: Gap insurance, rental car reimbursement, and roadside assistance are available.</p><p></p><p>Benefits: Farmers has unique policies for classic cars and high value vehicles.<br></p><p></p><h2>Conclusion</h2><p></p><p>By understanding the various cover options and factors that affect your premium, you will find affordable options that provide the protection you need. Whether you're in California, Florida, Texas, or another high-colour state, there are several providers that offer competitive rates and comprehensive coverage packages. By maintaining a clean driving balance and bundled with guidelines, you can enjoy a complete cover at a price that fits your budget. Choose the right insurance service provider, check out the products to cover options, and have fun every time you are on the wheel.</p>

Find cheap, fully comprehensive insurance in the US. Discover top providers, your products, additional services and insurance options in frequently requested states such as California, Texas, Florida, and New York.

Auto Insurance Articles

Short Term Auto Insurance for Rental Cars

How to Get a Rental Car After an Accident

Cheap and Affordable Full Coverage Car Insurance Quotes

Short Term Auto Insurance for Rental Cars​

How to Get a Rental Car After an Accident​

Cheap and Affordable Full Coverage Car Insurance Quotes

Short Term Auto Insurance for Rental Cars

How to Get a Rental Car After an Accident