What to Know About Car Accidents Involving Rental Vehicles in North Carolina

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Vacations, business trips, or even a temporary vehicle replacement often necessitate the use of a rental car. But what happens if you’re involved in a car accident whilecar accident lawyer Charlotte NC driving a rented vehicle? In this article, we’ll walk you through the critical steps to take following an accident and delve into the complexities of insurance and liability laws related to rental vehicles in North Carolina.

Initial Steps After the Accident

Just as with any car accident, safety is paramount. Ensure everyone involved is safe, call for medical attention if needed, and contact law enforcement to report the accident. It’s essential to gather all necessary information such as the other driver’s insurance and contact details, and take photos of the accident scene if you can.

Inform your rental company about the accident as soon as possible. They will guide you on the next steps based on their company policies and your rental agreement terms.

Understanding Rental Car Insurance in North Carolina

When you rent a vehicle, the rental company will offer you supplemental insurance coverage. These include Collision Damage Waiver (CDW), Liability Insurance Supplement (LIS), Personal Accident Insurance (PAI), and Personal Effects Coverage (PEC). Each provides different coverage, so you’ll want to read through these options carefully.

However, before purchasing any additional coverage, check with your existing car insurance policy and credit card company. Often, your personal car insurance extends to rental vehicles, and many credit card companies offer some level of coverage if you use their card to pay for the rental.

Determining Liability in a Rental Car Accident

In North Carolina, the at-fault party’s insurance is typically responsible for covering the damages. However, North Carolina also follows the contributory negligence rule, which means if you’re found even partially at fault, you may not be eligible to recover damages. This underscores the importance of gathering thorough evidence at the scene and consulting with a knowledgeable car accident lawyer.

Dealing with the Rental Car Company

After a car accident involving a rental vehicle, dealing with the rental car company can be complex. They may charge you for the rental car’s repairs and the time the car is out of service for repairs (loss of use), even if you weren’t at fault. If you declined the rental company’s CDW, your personal insurance or credit card company might cover these costs. However, be prepared for the possibility that you may have to pay out of pocket initially and then seek reimbursement.

Consulting a Car Accident Lawyer

Due to the complexities surrounding rental car accidents, it’s wise to consult a car accident lawyer. They can help you understand your rights, navigate the maze of insurance claims, and represent your best interests against the rental company or other parties involved.

If you’ve been involved in an accident while driving a rental car, a Charlotte, North Carolina car accident lawyer like The Layton Law Firm can provide expert guidance and representation. They can help ensure that you’re treated fairly, any damages are properly covered, and that your liability is accurately determined. You may contact them at 704-749-7747 and get a free consultation.


Car accidents involving rental vehicles can be a headache to deal with, mainly due to the complexities of dealing with rental and insurance companies. The key is to understand your insurance coverages, know your rights, and consult with a professional if needed. With the right information and representation, you can successfully navigate the aftermath of a rental car accident. Remember, the road to resolution is rarely a straight line, but with expert guidance, you can traverse it with confidence.