March Break is a welcome pause, but an injury can quickly turn a relaxing getaway into a stressful and confusing experience. Whether you’re travelling somewhere warm or exploring closer, understanding what to do if you’ve been injured in a rental vehicle can make a significant difference in protecting your health and your rights.
Before You Go
- Check weather and road conditions.
- Review your insurance coverage — especially for rental vehicles and out-of-country travel.
- Confirm whether your auto policy or credit card covers rental car damage.
On the Road
- Expect heavier traffic and unpredictable drivers.
- Avoid distractions and drive for conditions.
- Make sure children’s car seats are properly installed.
What To Do If You’re in a Collision in a Rental Car
Being in a collision is stressful. Being in one in a rental car adds another layer of confusion. Here’s what to do:
At the Scene
- Ensure everyone is safe and call emergency services if needed.
- Report the collision to local police where required.
- Take photos of vehicle damage, the scene, licence plates, and road conditions.
- Exchange information with the other driver(s).
- Do not admit fault.
Contact the Rental Company
Most rental agreements require immediate notice of any collision. Call the number listed on your rental agreement and follow their instructions. They may:
- Arrange towing
- Provide a replacement vehicle
- Require completion of an incident report
Failing to promptly report can impact your coverage.
Notify Your Insurer and/or Credit Card Provider
If your personal auto policy extends to rental vehicles, you must report the collision to your insurer as soon as possible. If you relied on credit card coverage, contact the card issuer immediately because there are often strict reporting timelines.
Seek Medical Attention
Even if injuries seem minor, seek medical care promptly and document your symptoms. If you’re a Nova Scotian injured while travelling, you may still have access to benefits through your own auto policy, depending on the circumstances.
Keep All Documentation
Save copies of:
- The rental agreement
- The damage report
- Police reports
- Medical records
- Receipts for towing, accommodations, or additional expenses
These documents can be critical if coverage disputes arise later.
Final Thoughts
March Break should be about making memories. A little preparation before you leave can protect your health, your finances, and your peace of mind. If you’re injured, especially in a motor vehicle, acting quickly and understanding your coverage can make a significant difference in protecting your rights when you return home to Nova Scotia.
Safe travels, and enjoy the break!