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Accident in a rental car when your insurance company is same as the rental company’s

Accident in a rental car when your insurance company is same as the rental company’s

Old Apr 26, 19, 12:45 pm
  #1  
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Accident in a rental car when your insurance company is same as the rental company’s

If your car insurance company is the same as the rental company uses, then when you have an accident, is it under your name that the rental company files the claim, or simply the name of the rental company?

Woud it therefore affect your premiums?

And would the accident be something to declare when renewing a policy?

Many thanks.
flyerstalk is offline  
Old Apr 26, 19, 2:32 pm
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What a conundrum:

Should I ask anonymous people on an Internet forum to give me accurate answers to my questions OR, should I ask a representative at my insurance company?
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Old Apr 26, 19, 3:37 pm
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Originally Posted by flyerstalk View Post
If your car insurance company is the same as the rental company uses, then when you have an accident, is it under your name that the rental company files the claim, or simply the name of the rental company?
It does not really matter as it is in-house.

Originally Posted by flyerstalk View Post
Woud it therefore affect your premiums?
Originally Posted by flyerstalk View Post
And would the accident be something to declare when renewing a policy?
Responsibility determines your chance of premium increase.


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Old Apr 26, 19, 4:02 pm
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That you and a car hire company use the same insurance company makes no difference

If the car hire company claims, it will claim off of its insurance polcy ; if you make a claim then you will claim off of your insurance policy

Whether it would affect premiums , really comes down to how a company operates ; if required to declare all claims when getting a quote/renewal , then it may do ; if only required to delclare claims off your own policy, then it wont

What does this have to do with Hertz ?
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Old Apr 27, 19, 12:00 pm
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As the OP question doesn't pertain to Hertz, I moved it to the general rental car thread.

Thanks
Jason8612 Hertz mod
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Old Apr 27, 19, 12:10 pm
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No different than had you been in an accident with another vehicle and you shared an issuer with the owner of the other vehicle. Fault, if your issuer considers it, will affect your premium. Not, who reports it.
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