CarInsuRent – Claims Report 2025

Methodology

Transparency and responsiveness are foundational principles of CarInsuRent’s claims process.

This report is based on an internal analysis of rental car insurance claims submitted to CarInsuRent between January 1 and December 31, 2025.

All claims are assessed strictly in accordance with clearly defined policy terms that are publicly available to customers prior to purchase. Claim outcomes, whether approvals or declines, are accompanied by written explanations referencing the applicable policy provisions and documentation requirements.

CarInsuRent makes a consistent effort to resolve eligible claims in a timely manner aligned with accepted insurance business standards. Once all required documentation has been received, claims are prioritized for review and processed without unnecessary delay. Resolution timelines are monitored internally to ensure consistency and operational accountability.

Where delays occur, they are most commonly linked to incomplete or late documentation rather than claim complexity. In such cases, customers are contacted with specific guidance on the outstanding requirements in order to progress the claim efficiently and reduce uncertainty.

This structured approach allows CarInsuRent to balance speed with accuracy, ensuring that claims are handled efficiently while maintaining compliance, fairness, and financial integrity.

In line with this commitment to transparency, CarInsuRent publishes aggregated claims statistics and trend analysis, available in our Annual Claims Report.

Claim Outcomes

Main Reasons for Partially Approve Claims

1. Interior damage exclusions
2. Missing or insufficient documentation due to late notification
   • No final rental invoice
   • Missing rental agreement
   • No official damage report from the rental company

Main Reasons for Claim Decline

Claim declines were primarily driven by policy eligibility and documentation issues, rather than the nature or severity of the damage itself.

Top decline categories

1. Policy ineligibility (18%)
   • Vehicle type exclusions
2. Non-covered damage types (32%)
   • Mechanical failures
   • Pre-existing damage
3. Policy breach (24%)
   • Local rentals in the manner the breach the annual policy
   • Coverage purchased after the policy started
   • Rentals from “Green Motion” is not covered under the policy
4. Fruad (26%)
   • Submitting fabricated documents

Claim Handling and Resolution Time

CarInsuRent’s claims process is optimized for speed once documentation is complete.

• Average time to first response: 2 business days
• Average time to claim approval: 13 business days
• Claims resolved within less than 5 business days: 59%

The majority of delays occurred when required documents were submitted late or in multiple stages.

Fault vs Non-Fault Claims

One of the most notable findings of the 2025 report is the high proportion of claims where the renter was not at fault.

• Non-fault claims: 58%
• At-fault claims: 42%

Common non-fault scenarios

• Parking damage discovered upon return
• Hit-and-run incidents
• Damage caused while the vehicle was unattended
• Weather-related incidents

These findings challenge the perception that most rental car damage claims result from reckless or negligent driving.

Customer Behavior Insights

Analysis of declined and delayed claims highlights several recurring renter mistakes:

• Failure to report damage immediately to us.
• Missing final invoices or damage assessments.

Conversely, claims with complete documentation submitted promptly were significantly more likely to be approved and resolved quickly.

How Can You Speed Up Your Rental Car Insurance Claim Process?

Waiting on an insurance claim is never enjoyable. Even if you have no control over some components of the chronology, there are things you can do to speed things up. The following advice will help you accelerate your claim:

• Report Immediately: Notify CarInsuRent right away. You don’t need to gather all the documents in order to drop us an email with a few images and description of the damage. This will allow us to asses the damage and advise you how to handle the return process and avoid being overcharged by the rental company upon return.
• Be Thorough: Provide all essential information when filing, such as the date, time, place, other party’s details, damage images, and, if relevant, the police report number. There are fewer delays when there is more information up front.
• Document the Scene: Take pictures of the damage and accident scene.
• Stay Responsive: Respond to calls or requests from our claims staff promptly. Delays are avoided by prompt communication.
• Follow-up: Kindly check in if you don’t hear back. You can maintain the progress of your claim with a brief reminder.

By following these steps, you’re doing everything in your control to push the claim through quickly.

FAQ for CarInsuRent Claims Report 2025