A Tourist Gets into an Accident in a Rental Car: Step-by-Step Guide

Renting a Car in Cyprus gives tourists freedom of movement, but it also comes with legal responsibilities. The traffic situation on the island can be unpredictable: left-hand driving, narrow streets, and specific parking rules. Even a minor accident can be stressful, especially abroad. To avoid worsening the consequences, it’s important to know how to act according to Cypriot law.

First Steps After an Accident

In any traffic accident in Cyprus, regardless of its severity, leaving the scene is prohibited. Even if no one is injured, you must follow the instructions carefully:

1. Stop your car and turn on the hazard lights.
2. Ensure all participants are safe. Call an ambulance if necessary by dialing 112.
3. Report the incident to the police — especially if there are injuries or significant damage.
4. Notify the rental company. Emergency contact details are provided in your contract or on the car documents.
5. Do not sign documents you don’t understand — especially if they are in Greek.

Take photos of everything — the accident scene, vehicle damage, license plates, and the road situation including markings. These photos will help in dealings with insurance, the rental company, or in court.

Role of the Police and Insurance

In Cyprus, calling the police after an accident is a standard and mandatory procedure, especially if a rental car is involved. The police document the circumstances of the incident, prepare a report, and draw a diagram of the scene. One copy of the report is given to the participants — it is required for both the insurance company and the rental company.

Next, the insurance comes into play. Most rentals include basic CDW coverage (Collision Damage Waiver) with a deductible — the amount depends on the rental agreement. Damages not covered by standard insurance (such as windows, tires, or the car’s underside) are either compensated separately or require additional coverage (SCDW or Super CDW).

Who Is Responsible — the Renter or the Rental Company

From the moment you receive the car until it is returned, full responsibility lies with the renter. Even if the accident was not your fault, you must immediately report it and follow the prescribed procedure.

If another driver is at fault, their insurance company will cover the damage. However, this requires police involvement and an official report.

It’s important to remember: violating rental terms (e.g., driving under the influence, giving the car to a third party, leaving the accident scene without authorization) automatically voids your insurance. In such cases, all costs must be paid by the renter.

How to Resolve Disputes with the Rental Company

Sometimes after returning the car, the rental company may make additional claims — for hidden damage, a dirty interior, or late return. To avoid disputes, follow these guidelines:

• When receiving the car, document all scratches and defects with photos and note them in the handover report.
• In case of an accident, gather as much evidence as possible: photos, the police report, and witness contacts.
• Return the car on time and in the condition specified in the contract (including a full tank, if required).
• Keep the rental agreement, correspondence, and receipts — especially if payment was made via deposit or credit card.

If you cannot resolve the issue directly, file a complaint with the Cyprus Consumer Protection Service or seek legal assistance. With sufficient evidence of unfair claims, you can protect your rights even after leaving Cyprus.