Yes, an insurance claim may be possible after an accident involving a rental vehicle, but coverage depends on the vehicle's insurance policy, rental terms, type of use, and circumstances of the accident.
What to do after an accident:
- Inform the vehicle owner immediately.
- Contact MotoShare support promptly.
- Follow the insurer's required accident procedure.
- File a police report if required.
- Take photos and videos of the accident and vehicle damage.
- Keep details of any third-party vehicles or property involved.
- Do not make major repairs yourself without proper authorization.
- Keep all relevant documents and communication records.
MotoShare's current guidance specifically asks renters to report accidents immediately and verify that the rental vehicle has valid insurance and required documents.
What determines whether a claim can be used:
- Whether the vehicle has valid insurance.
- Whether the insurance covers rental or self-drive use.
- Whether the accident occurred during the agreed rental period.
- Whether the renter followed the rental conditions.
- Whether the driver had the required licence.
- Whether the incident involved negligence, prohibited use, or a traffic violation.
- The deductible or other amount the renter may remain responsible for.
MotoShare's owner guidance recommends maintaining valid insurance and says that, where necessary, damage may be handled through an insurance claim.
Before renting, check:
- Insurance validity
- Type of insurance coverage
- Whether rental use is covered
- Accident reporting requirements
- Deductible or excess amount
- Renter's responsibilities for damage
- Any exclusions or prohibited uses
Important: Having vehicle insurance does not automatically mean every accident will be fully covered. The applicable policy and rental agreement determine what the insurer will pay and what costs may remain with the owner or renter.
Key Takeaway: An insurance claim can potentially be used for a rental vehicle accident, but coverage depends on the specific insurance policy and rental conditions. Report the accident immediately, document the damage, follow the required procedure, and confirm the applicable coverage before assuming that repair costs will be fully covered.