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Crashed a Rental Car? Who Pays for the Damage?
Who pays after a rental-car crash: the counter waiver, your own policy, a credit-card benefit, or the at-fault driver, plus extra fees to watch for.
This short video is a summary of our explainer Crashed a Rental Car? How Your Own Policy, the Counter Coverage, and Your Credit Card Fit Together, which covers the details, the steps to take, and how auto insurance typically handles it.
Transcript
If you crash a rental car, several layers may apply: a damage waiver you bought at the counter, your own auto policy, a credit-card rental benefit, or the at-fault driver's insurer. The rental company may also add loss-of-use, diminished value, and admin fees that some policies exclude. Ask each possible payer for a written explanation, and get the rental company's documents before you pay. Coverage depends on the contract and on state rules.
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