NATIONAL INSURANCE GUIDE

Rental Car Accident in Europe

Rental Car Accident in Europe: What Americans Need to Do

What to Do If You’re an American in a Rental Car Accident in Europe: A Complete 2025 Guide

Being involved in a car accident while driving a rental car in Europe can be stressful, especially for Americans unfamiliar with local procedures and insurance requirements. This guide provides a practical, step-by-step approach to help you navigate the situation smoothly, protect your rights, and minimize financial risks.

Step 1: Ensure Safety and Call Emergency Services

  • Check yourself, passengers, and others involved for injuries. Call emergency services immediately if anyone is hurt.
  • Emergency numbers in Europe: Dial 112 (EU-wide emergency number). Also know the specific national emergency number (e.g., 999 in the UK, 110 in Germany).

Step 2: Move to a Safe Location

  • If the accident is minor and the vehicles are drivable, move them safely to the roadside to avoid blocking traffic and prevent further accidents.

Step 3: Document the Scene Thoroughly

  • Take photos and videos of the accident scene, vehicle damage (all involved cars), relevant road signs, and the surrounding area.
  • Collect details of all parties involved: names, addresses, phone numbers, driver’s license numbers, and insurance information.
  • If there are witnesses, try to get their contact details as well.

Step 4: Report the Accident to Local Police

  • In most European countries, it’s mandatory to inform the police if there is significant damage, injury, or dispute. Call the local police and wait for the officers to arrive if required.
  • Obtain a police report or accident reference number and copies of all official paperwork. You will need this for your insurance claim.

Step 5: Notify the Rental Car Company Immediately

  • Contact the rental company using their emergency or roadside assistance number (usually provided in your rental agreement).
  • Provide full details of the accident and follow their instructions.
  • Some companies require that you notify them within 24 hours to maintain insurance validity.

Step 6: Fill Out the European Accident Statement (If Applicable)

  • Many countries use a standardized European Accident Statement form. It helps document the accident details and is crucial for insurance claims.
  • Both parties should ideally complete and sign this form on-site.

Step 7: Review Your Insurance Coverage

  • Understand what insurance applies: rental company coverage, credit card insurance, personal travel insurance.
  • If you bought additional collision damage waiver (CDW) or theft protection, notify those providers.
  • Keep all receipts, invoices, and communication related to the accident and repairs.

Step 8: Follow Up on Repairs and Claims

  • Do not authorize any car repairs without rental company approval.
  • Submit your claim to the rental car provider or your insurer promptly, including police reports, photos, and other documentation.
  • If involved with a third party, cooperate fully but let the insurers handle legal and financial negotiations.

Step 9: Contact U.S. Consular Services if Needed

  • For legal assistance or if you face difficulties with local authorities, reach out to the nearest U.S. Embassy or Consulate in the European country you’re in.
  • Find your local embassy contact here: U.S. Embassy Contacts.

Essential Contacts

  • European Emergency Number: 112
  • Rental Car Emergency/Assistance Number: Check your rental contract
  • Local Police: Varies by country (e.g., 999 UK, 110 Germany)
  • U.S. Embassy/Consulate: Use official U.S. government website to find contacts
  • Roadside Assistance (Rental Company): Provided in your rental agreement
  • Credit Card Insurance (If applicable): Contact your credit card issuer’s travel or rental insurance hotline

Additional Tips for Americans Involved in European Rental Car Accidents

  • Always carry your International Driving Permit (IDP) alongside your U.S. license.
  • Read the rental contract terms for insurance and accident reporting carefully before driving.
  • Do not admit fault at the scene; simply exchange information.
  • Keep copies of all documents and correspondence related to the accident.
  • Understand that European insurance and legal processes might differ from the U.S., so patience and thorough documentation are key.

This guide aims to prepare Americans driving rental cars in Europe to respond confidently and appropriately if an accident occurs, minimizing hassle and protecting personal finances.