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After an accident, it is important to remain calm. This applies primarily when the vehicle not owned by the driver/owner, but is rented or leased. In this case you should do the following: If you have an accident, it doesn't matter whether you lease, buy or rent your car. First of all, the Accident site secured and first aid provided if necessary. In cases where people have been injured or major damage has occurred, you should the police consult. In the case of minor damage (removed mirror cap, etc.), it is usually sufficient to exchange the personal details and insurance data of the person involved. However, you should definitely call the police if:
- The culprit is not clear;
- drugs or alcohol were consumed;
- Serious property damage or personal injury has occurred;
- Bystander cars were involved in the accident and the owner of those cars is not at the scene of the accident.
After you have taken the first steps in the accident with the leased vehicle, it is time to inform the lessor. This is required because of the lessor of the vehicle is the real owner. In order to plan how to proceed, you should also contact the lessor to find a way together that is fair for both parties. And the message to yours Car insurance is also essential in order to be able to regulate the damage. Please do this as soon as possible and at the latest two days after the accident.
Who is to blame for the accident?
In this case it is important to know that as a lessee you have three possible options:
- You are not at fault for the accident;
- You are partially to blame for the accident;
- You are the culprit.
In case you no guilt in the accident, how to proceed depends on the provisions of your leasing contract. In many cases, it is contractually stipulated beforehand whether you need to repair your vehicle or whether you have to agree this with your lessor beforehand. If the damage to the car is repaired, you can pay the cost claim from the opposing insurance company. In rare cases, the lessor may also make a claim for damages and settle the whole thing with the opposing vehicle insurance company. In many cases, both are found to be complicit. Then everyone is responsible for the costs of the accident of your own car to take over. Do you have a GAP insurance (special insurance for leased vehicles), this should not be a problem.
In the event of an accident that is your fault as a lessee, you are liable for the repair costs incurred and any depreciation of the damaged vehicle. If you cause an accident with your leased car, you will likely have to deal with both your own and the other person's insurance. In the best case, you as a lessee have one Comprehensive insurance, which is paid in the event of damage to the vehicle. Most leasing contracts contain a clause that requires comprehensive insurance to be taken out. If you have an additional GAP insurance choose, you are well protected in every case of damage. So that other family members are also insured in the event of an accident with the leasing car, this should be included in the contract.
Who is liable in the event of an accident?
In case you are not responsible for the accident, the opponent's insurance company must pay for the damage caused to your vehicle. If you cause an accident for which you are partly responsible or wholly responsible, you must pay the costs incurred take over yourself. If you have fully comprehensive insurance, it covers damage to your own vehicle that you have caused. However, the insurance will pay not the full value of the car, but only that Replacement value. The depreciation Your leased vehicle may be higher than the balance of the lease. In this case must you take on the difference yourself. Here your again helps the GAP insurance, which settles this difference.
What should be considered during the repair?
After the accident, the vehicle should of course be repaired as quickly as possible. In most cases, it is advisable to consult the lessor, since an authorized specialist workshop is usually required. the Workshop bond is often stipulated in the leasing contract. If this is the case, we recommend that you consider the lessor's claims to fulfill. However, in some cases you may run into conflicts with your insurance company, which will usually suggest cheaper workshops to you. After you find a professional garage to have your vehicle repaired, the bill usually goes up sent to you.
Now you make sure that the bill reaches the opposing insurance company so that it can be settled. But it is also possible that – if everything has already been clarified in advance – the workshop will pay the bill sent directly to the opposing insurance company. This way you don't have to do anything anymore and you don't have to worry about paperwork. If your comprehensive insurance has to pay for an accident that you are at fault, it depends on how yours excess was agreed. You can pay for the entire damage yourself and not even call on the insurance – which could potentially lower your next insurance premium – or you send the invoice to the insurance company. The amount will then be paid to the workshop and your deductible will be offset.
Do leasing rates also have to be paid during the repair?
If you lease a vehicle, it cannot be used during the repair. Although this leads to power outages, but this one should no reason be to stop paying the rent. If you were not the cause of the accident, you can get the cost of one Replacement vehicle Repeat this with the opposing insurance company, but in any case you will continue to pay the installments yourself.
You can claim the depreciation!
Although the car has a lower value after the accident, this loss can be compensated for by the installments made. However, if you are to blame for the accident, the lessor can compensate you for the depreciation of the vehicle in invoice. After all, a car is difficult to sell after an accident and can no longer be sold for the actual value of the vehicle. If someone else is to blame for the accident, the opposing insurance company to pay for the loss in value.
What if a total loss has occurred?
A vehicle can be totaled for a variety of reasons. This must be done by a competent person in a Expert opinion identified before further action can be taken. Lies a economic total loss before, so exceed the probable costs for a repair the residual value of the vehicle, Is a technical total loss exists, a repair is no longer possible and the residual value of the vehicle is €0. In both cases, it is advisable to have one in addition to liability insurance and fully comprehensive insurance GAP insurance to complete. They will then pay you difference between the replacement value of the vehicle and the outstanding leasing rates.
Of course, that wasn't the end of it.
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