Car Accident in a Rental Car in Morocco: What to Do, Step by Step

After an accident in a rental car in Morocco, get everyone out of harm's way first and call for help if anyone is hurt. Then get the accident on record: a constat amiable signed by both drivers, or a report from the police or gendarmerie. Then tell the agency the same day: the car is insured under its policy, and the agency is the one that reports the accident to its insurer.

AI-generated illustration (Google Gemini)

Published on 25 October 2026

What should you do in the first few minutes?
Police or gendarmerie: should you call them?
How do you fill in a constat amiable in Morocco?
Why call the agency before anyone else?
Who pays for damage to the rental car?
What does Loccor do if you disagree with the agency?

What should you do in the first few minutes?

Turn off the engine, switch on the hazard lights and get passengers out on the side away from traffic. If a car is left on the road on a bend or at night, set the warning triangle well behind it: avoiding a second crash comes before everything else. Our breakdown and flat tire guide covers the roadside safety steps in more detail.

Then check who is hurt, including in the other vehicle. If in any doubt, call 150 (ambulance and fire). Don't move an injured person unless they are in immediate danger, such as a fire starting.

If nobody is hurt and traffic allows, take photos before you move the cars: where both vehicles sit on the road, the damage close up and from a distance, both number plates, road signs and markings. You will need these for the report, for the agency and its insurer, and for yourself when you return the car.

Police or gendarmerie: should you call them?

In towns, the police respond; outside built-up areas, the Royal Gendarmerie. Dial 190 for the police, 177 for the gendarmerie and 150 for emergency services. Call them if someone is injured, if the other driver won't fill in or sign the form, or if you can't agree on what happened. The officers then draw up an official report, which can take the place of the constat amiable.

If the other driver leaves the scene, write down their plate number, the make and the color of their car straight away, then call the police or gendarmerie, and the agency.

A serious accident is a different matter. The UK government's travel advice warns that after a fatal road accident, the Moroccan authorities may detain a driver they believe is responsible until the trial hearing. If that happens, contact your consulate and your own insurer as well as the agency.

How do you fill in a constat amiable in Morocco?

For a minor collision between two vehicles with no injuries, the constat amiable (the joint accident report) is enough. The form has two columns, vehicle A and vehicle B: each driver fills in their own, with the other present, and both sign. According to UK government travel advice, blank forms are sold at tobacconists in every city and at insurance booths in Tangier Port. When you pick up the car, ask the agent whether there is one in the glovebox.

With a rental car, the policyholder is the agency, not you. Copy the insurance details from the vehicle papers the agency gave you into your column, and keep those papers in the car: drivers must be able to show the insurance, their licence and the registration. If you can't find the insurance certificate, call the agency before you sign.

Draw a simple sketch: direction of travel, where the cars were at impact, road signs. Only tick the boxes that match what happened; if you are unsure, leave the box blank and describe the facts under "Observations". The form records facts; it is not an admission of fault. Read it through before signing, because once signed it can't be changed. Each driver keeps a copy; photograph yours in full.

There is also an electronic version, the e-constat, developed by the Moroccan insurers' federation (FMSAR) and in use nationwide since December 1, 2022. The paper form is still valid.

Why call the agency before anyone else?

The car belongs to the agency and its insurance policy is the one that applies, so the agency reports the accident to its insurer. ACAPS, Morocco's insurance regulator, states that an accident must be reported to the insurer within 5 days at most, or the right to compensation may be lost. An accident you only mention when you return the car leaves the agency too little time and puts you in a weak position when costs are discussed.

On Loccor, you receive the agency's contact details when your booking is confirmed. Save them in your phone before you set off. After an accident, call the agency, then send the photos and the form through the booking's messaging: that way you keep a dated written record.

Don't have anything repaired without the agency's approval, not even a headlight or a mirror. The agency decides whether the car carries on, goes to a garage or is replaced, as its contract provides. Let Loccor know too, through your account messaging, by email or on WhatsApp, with your booking code: we follow the case with you.

Who pays for damage to the rental car?

Third-party liability insurance, compulsory in Morocco and included with every car listed on Loccor, pays for damage you cause to others: vehicles, pedestrians, passengers. As ACAPS points out, it does not cover damage to your own car when you are at fault.

For the car itself, everything depends on the agency's contract: it sets the excess, what is covered and what is not. If you are at fault, the agency normally charges the real cost of the repair, capped at the excess in the contract. If the other driver is at fault, the joint report or the police report lets the claim go to their insurer. ACAPS also notes that collision damage cover only applies when the accident involves a properly identified third party, so take down the other driver's name, plate number and insurer carefully.

The deposit is paid to the agency when you collect the car and returned when the car comes back undamaged. After an accident, the agency may keep part of it, within the limits of its contract. Ask for a quote or an itemized invoice for any amount withheld.

This is where the pickup inspection matters. When the agency records it on Loccor as it hands over the keys (mileage, fuel, existing damage), you can view it from your account, and the return inspection is compared against it: a scratch noted at pickup can't be added to the accident bill. Check that it was done before you drive off, and film the car yourself.

What does Loccor do if you disagree with the agency?

Loccor is neither the rental company nor the car's insurer: the accident itself is settled between the agency and its insurer, and with the other driver's insurer if there is one. Loccor steps in on matters covered by the booking and by the partner contract the agency signed, such as an amount withheld from your deposit that you dispute.

Report the problem through your account messaging, by email or on WhatsApp, with your booking code. We gather the time-stamped records (pickup and return inspections, rental contract, messages, payments), ask the agency for its side, then send you the decision and the reason for it. Attach your photos and the joint report or police report: they carry the most weight.

Frequently asked questions

Where can I get a constat amiable form in Morocco?

At tobacconists in every city and at insurance booths in Tangier Port, according to UK government travel advice. When you collect the car, also ask the agent whether there is one in the glovebox.

What if the other driver refuses to sign the form?

Don't argue. Note their plate number, the make and color of their car, photograph the scene, then call the police (190) in town or the gendarmerie (177) outside built-up areas: the officers will draw up a report. Then let the agency know.

I hit a wall or an animal and no other vehicle was involved. What now?

There is no other driver to fill in a joint report with. Call 150 if anyone is hurt, photograph the damage and the spot, then tell the agency the same day and describe what happened in writing through the booking's messaging. Who pays for the damage follows its contract.

The car can't be driven: who arranges the tow?

The agency, through the assistance set out in its contract. Don't hand the car to a passing tow truck or garage without its approval, and don't pay for anything before you have called it.