Insurance for Heavily Damaged Vehicles and Financial Liabilities in the Rental Process

In the car rental ecosystem, "heavy damage" or a "total loss" (pert) situation is one of the most critical financial risks for both the driver and the rental company. The total costs incurred following a severe accident with a rental vehicle vary depending on the insurance coverage, the driver's fault rate, and the extent to which legal procedures are followed. At QCAR Mobility, we transparently explain how costs are calculated in heavy damage scenarios and the role of insurance in this process.

How are Costs Calculated in Case of Heavy Damage?

If the rented vehicle is uninsured, or if a violation occurs at the time of the accident that voids the insurance coverage (such as alcohol consumption or failure to file a formal accident report), the entire financial liability rests with the lessee. In such cases, the calculation is based on the following items:

• Market Value (Total Loss): If the vehicle is deemed a total loss, the current second-hand market value of the vehicle at the time of the accident is claimed from the lessee.

• Repair and Part Costs: For heavily damaged but repairable vehicles, the total cost includes service repair fees, part replacement costs, and labor charges.

• Depreciation (Loss of Value): The loss of value the vehicle suffers after the accident can be added to the repair costs and collected from the user.

• Additional Expenses: Towing fees, traffic fines, and—should legal proceedings begin—court costs are also the responsibility of the lessee.

• Third-Party Damages: Damages caused to third parties or public property during the accident must be covered by the lessee if they fall outside of insurance coverage.

How Does "Rent a Car Insurance" Affect These Costs?

Renting a vehicle from a reliable company with Rent a Car Insurance (Commercial Insurance) included eliminates the risk of tens of thousands of liras in debt in the event of heavy damage.

• Policy Coverage: A valid Rent a Car Insurance policy covers accidents, theft, fire, and third-party damages within the policy limits.

• User Guarantee: If the vehicle was operated according to the rules (sober, with an official report, and within legal speed limits), the insurance company covers the heavy damage costs, protecting the lessee from high repair bills.

• Deductible (Excess) Status: If the contract specifies a certain deductible rate, only this small portion may be reflected to the lessee; the remaining significant amount is paid by the insurance provider.

Critical Warnings to Prevent Cost Increases

To ensure that costs remain at "zero" or a minimum after a heavy damage accident, it is essential to follow these steps:

1. Written Insurance Confirmation: Before renting, verify with documentation that the vehicle has "Rent a Car Insurance".

2. Official Accident Report: In the event of an accident, you must call the traffic police or gendarmerie to file an official report; insurance providers may refuse payment without this report.

3. Alcohol Report: An alcohol level report at the time of the accident is a legal requirement for the insurance process to proceed.

4. Inquire About Service Fees: Some companies may charge an additional "service fee" for damage management processes; check your contract for this detail.

Summary: While the amount payable in a heavy damage accident can reach the full market value of the vehicle for uninsured rentals, this risk is assumed by insurance at companies providing full coverage, like QCAR Mobility, provided that all rules are followed.

To clear your journey of financial risks and hit the road with the security of comprehensive Rent a Car Insurance, you can choose QCAR Mobility’s fleet of new-model vehicles.