Car rental accident?

I accidently rear ended somebody driving my rental car (no i did not get the extra insurance). Both parties agreed not to file police report so we never exchanged info. When paying for the damages to the rental car, can i pay for it out of pocket so my insurance doesn%26#039;t go up or do i still have to let them know?
Car rental accident?
if you pay for the expenses out of pocket there would be no reason to contact your insurance company
Car rental accident?
You may have to pay it anyways. Usually your car%26#039;s liability coverage will transfer to another vehicle but usually collision is for the car you own only. I don%26#039;t think collision coverage is transferable to another car anyways.
Reply:CA. law states if there are damages over $750, it must be reported to the DMV. You can be sure if the rental company knows the amount, they will send an SR1 in.....so it really depends on them
Reply:You%26#039;re probably already in violation of your contract by not notifying the police. Most car rental agreements require this as part of the contract. However, since that%26#039;s already passed, dont%26#039; worry about it. The car rental agency will ask you to fill out an incident report upon return. This will ask for your insurance information by default. You%26#039;ll probably want your insurance to get involved anyway because the insurance company is not only going to charge for damages, but what they call %26quot;loss of use%26quot;, which is the revenue they would have made on the car if it was able to be rented after you turned it in. Since the car will have to be repaired (or at least inspected) when you turn it in, they won%26#039;t be able to rent it, so that%26#039;s loss of use.





Another reason they will want your insurance is the other driver may file a claim or a lawsuit in the future. People are funny, they may say it%26#039;s okay at the scene, but then turn around later and change their mind. They%26#039;ll go after the owner of car, the rental company, who will in turn go after your insurance company through subrogation.





If the damage is really minor, say less than $400 (chipped paint or something), then you might be able to just have the rental company charge your credit card the cost of the damages. I doubt they%26#039;ll let you pay cash upon return since it will take at least a day before their repairman can estimate damage on the car.





Take pictures immediately so you don%26#039;t get charged for more than what you owe. And call the car rental company and report the damage. They will ask you to bring the car in so they can swap it out. Make sure to fill the tank up first, even if you got the %26quot;fuel tank option%26quot; because you will be charged if you don%26#039;t. The full tank option gets funky when you swap out cars. It%26#039;s only to be used for when the contract is closed out. Swapping cars complicates things. Good luck.





Read your contract and the terms and conditions inside the rental jacket (the envelope they gave you with your contract inside).
Reply:If you pay it on your own, you don%26#039;t have to notify your insurance company but your liability coverage from your personal car should extend to the rental. That should pay for the others damages. Part or all of the damages to the rental car could be covered by your credit card company that you used to pay for the rental. Have you called the credit card company to check for any coverage ? In any case, If it were me, I would notify my insurance company. Sometime in the future, after you pay, the other party could find more damage to their vehicle or suddenly find they have a back problem. Let you insurance protect you, that is what you bought it for.
Reply:The answer may vary by person.It would be a good idea to hear some of them and try to choose the best one.Here is a good one.http://car-insurance.easyideas4u.info/ca...