2006-06-15 08:07:34 · 10 answers · asked by threesoares 2 in Cars & Transportation ➔ Insurance & Registration
I'm in Mass.
I am still waiting for the payoff which my insurance said I should recieve within a few days. They said they normally provide rentals for upto a few days after the payoff is made. I did call the responsible parties insurance and they said it was authorized for only 14 days. That would give me till the 19th. I wasn't sure if there was a law that stated a maximum # of days allowed. Of course the insurance didn't want to answer that.
2006-06-15 09:11:05 · update #1
The insurance company is legally liable to pay for the rental car until either your car was fixed or they write you a check instead.
2006-06-15 10:23:00 · answer #1 · answered by PeppermintandPopcorn 3 · 2⤊ 2⤋
That depends on how long the other person's insurance will cover a rental for you and that is in their contract. Failing that, your own insurance should also have a provision. Because all contracts are different, I would call your agent to find out for sure. I wouldn't waste a lot of time looking for a new car, though. At some point, you should receive a payout from the other person's company (as well as probably some money for pain and suffering), that you can put toward's a new car. GL
2006-06-15 15:12:21 · answer #2 · answered by ? 5 · 0⤊ 0⤋
You need to read the car rental section under your policy. Make sure you read the section that deals with total losses. Most only allow for a set amount of days after the offer is made. If you are going to rely on the at fault party's carrier they may not have to provide rental coverage to you depending on your states laws or there may be a set amount of days they have to provide to one to you. To find that out you need to contact your claim rep with your insurance company as they will be the most honest with you as to what the state law is for that at fault carrier and rental coverage.
2006-06-15 18:06:25 · answer #3 · answered by JustMe 2 · 0⤊ 0⤋
The other driver's insurance company would be the one to answer that question. If there wasn't another driver than contact your insurance company. I have heard of people with $3000 car rental fees that did not get the authorization first.
2006-06-15 15:12:43 · answer #4 · answered by yes_its_me 7 · 0⤊ 0⤋
If the other party was at fault, you are entitled to a rental until your car is repaired/replaced. In the case of your car being totalled, it actually should add to their incentive to settle quickly, and you can use it as leverage to raise their offer. The only problem may be that you may have to go after them (the other party's insurance) to get your money, and that can take months.
2006-06-15 15:27:08 · answer #5 · answered by M3Owner 3 · 0⤊ 0⤋
If your car was totaled, the insurance company will issue a check to the lien holder, or you, for the blue book value of your car. I would imagine that once they present the check to you, you may have a few days to find a car. Call the insurance company and ask!
2006-06-15 15:13:10 · answer #6 · answered by Tangled Web 5 · 0⤊ 0⤋
First thing to do is to call your insurance agent. They should be able to tell you what your next step should be. You may want to call the other person's insurance and see what they can do for you. It is usually easier to go through your own insurance and let them deal with it. Of course it all depends on the coverages you have on your own insurance.
2006-06-15 15:21:27 · answer #7 · answered by amsmitty 3 · 0⤊ 0⤋
It all depends on the insurance agency, and the policy you have. If you are getting it fixed, go to one of those places that give you a free rental, and you can keep that car until your car is fixed.
2006-06-15 15:10:32 · answer #8 · answered by natex14 4 · 0⤊ 0⤋
It depends on what it states on the insurance forms.
2006-06-15 15:09:50 · answer #9 · answered by jennifer 3 · 0⤊ 0⤋
They should cover your rental until they settle with you and you can reasonably be expected to get another car.
2006-06-15 16:10:46 · answer #10 · answered by oklatom 7 · 0⤊ 0⤋