During the rental

What to do after an accident in a rental car

An accident in a rental car has one extra requirement beyond the usual: the rental company must be told, and a police record is very often the condition on which cover depends.

Immediate steps

  • Stop, switch on hazard lights and check whether anyone is injured.
  • Call the emergency services if there are injuries — in most of Europe and the UAE that is 112.
  • Do not move the vehicles until you know whether local rules require it.
  • Photograph the scene before anything is moved: positions, damage, plates and road markings.

Why the police report matters

Many rental agreements make cover conditional on a police record, even for minor damage with no third party involved. Without it, a supplier can decline the claim and charge the full repair.

Rules differ on whether police attend minor incidents, but where a report is available, obtain it. It costs nothing and protects the claim.

Notify the rental company immediately

Call the number on the agreement from the scene if you can. Suppliers set a notification deadline, and a late report can void the claim regardless of fault.

Follow the instructions given — they may want the car recovered rather than driven, and driving a damaged car against instruction can shift liability to you.

What to collect

From the other party

Name, contact details, registration, insurer and policy number. Photograph their documents rather than transcribing them.

From the scene

Wide shots showing the layout, close shots of every point of contact, and any visible skid marks or debris.

From the authorities

The report reference and the station handling it, so the supplier can follow it up.

Afterwards

Keep every document until the deposit has been released and any claim closed. The deposit will normally be held while the claim is assessed, which can take considerably longer than a routine rental.

FAQ

Do I need to call the police for minor damage?

Very often yes. Many agreements make cover conditional on a police record even without a third party.

How quickly must I tell the rental company?

Immediately, from the scene if possible. Suppliers set a deadline and a late report can void the claim.

Can I drive the car after an accident?

Only if the supplier says so. Driving a damaged car against instruction can shift liability to you.

Does full insurance mean I pay nothing?

Not necessarily. Cover still depends on following the reporting procedure and on the exclusion list.

How long will the deposit be held?

Until the claim is assessed, which is usually longer than a routine rental.

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