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Accidents, Insurance, Body Shops, and Rental Cars

Whew! That title is a mouthful. But we felt like it was important to create a blog post that covered a few of the areas that everyday drivers are likely to encounter at some point during their time out on the road.

If and when that unfortunate time comes, we hope first and foremost that you and your loved ones are uninjured. Cars can be fixed after all. The most important thing is your safety and wellbeing. The good news is that newer cars now come standard with a host of safety features — driver assist, airbags, etc. Even better news: The auto body experts at McCollum can get your vehicle back to pre-loss condition after an accident.

Automobile rental agreement
Automobile rental agreement

It’s getting crowded out there. The Portland-Vancouver metro area is one of the nation’s fastest-growing regions. More cars on the road make it more likely that we’ll be involved in an accident.

Get in touch with McCollum today to discuss your options. We have four locations (three in Oregon and one in Vancouver, Washington) and are ready to serve you.

Who’s Responsible For A Rental Car After An Accident?

McCollum wants to make it easy for you. We’re happy to help arrange a reservation through our car rental partner, Enterprise, while your vehicle is being repaired. McCollum also provides complimentary loaner vehicles for our customers who don’t have rental coverage on their auto insurance. In any case, you can be certain that we’ll have a vehicle ready for you when you drop your car off for repair and body work.

Let’s take a quick step back, though. It is the driver’s responsibility to make sure they are insured and to maintain contact with their insurer in the aftermath of an accident. Fortunately, McCollum Auto Body partners with most insurance carriers. We can help make the process easier while we get your vehicle back to pre-loss condition.

Depending on where you live and the details of your insurance policy, it’s possible to have your rental car paid for by the other party’s insurance company. You’ll need to speak with your insurance agent to get the full details on your particular policy. For example, do you have rental reimbursement coverage? How about uninsured motorist coverage? How much of the cost of the rental will be covered — and for how long? Who will pay for your rental?

What Kind Of Rental Car Can You Get After An Accident?

Beyond those insurance information questions, there are additional wrinkles in most insurance policies that you need to be aware of. For instance, your insurance company is unlikely to authorize a luxury car rental when you drive an economy vehicle, says the Lamber Goodnow legal team at Fennemore Craig.

“Insurance companies allow you to rent a vehicle similar to your damaged vehicle,” Lamber Goodnow says. “Insurance companies also place dollar limits per day and per accident. So rent a reasonable vehicle to ensure the insurance company covers the full cost. This is especially important to keep in mind if your vehicle will be in the repair shop for a long time.”

About that last point: McCollum Auto Body is the best in the business at getting your vehicle back to you quickly. In fact, our streamlined, effective, and thorough auto body repair process is usually ahead of the industry average for turnaround time. Our customers typically get their vehicles back two days faster than the market average.

Call McCollum today with any questions. We look forward to serving you — and working with your insurance company and the rental companies to make sure you’re taken care of while we fix your car.