If you’re involved in a rental car accident, you may hear the terms primary and secondary insurance.
Primary insurance refers to your principal source of insurance coverage. Usually, this is your standard insurance policy. If you’re involved in a rental car accident, you’ll need to pay the deductible to repair the rental car as soon as possible.
Your primary insurance policy sets the deductible amount. Once you pay your deductible, your policy should cover the remainder of the damage.
Secondary insurance kicks in after the limits of your primary policy are exhausted. You may be able to recover the deductible you paid to your primary insurance agency through the secondary provider, especially if you’re not at fault for the wreck.