my car is totalled, accident was not my fault, my insurance doesnt cover for a rental car if i get 1 anyways will the responsible party have to cover the cost?
2006-12-14 04:10:46 · 14 answers · asked by tumama 2 in Cars & Transportation ➔ Insurance & Registration
The guy that hit me was in a rental car im assuming he has insurance he refused to give me any info but did provide it to the police
2006-12-14 05:09:29 · update #1
If you need a rental car, get one. But only keep it for a reasonable time, they won't pay for it forever. First thing to do is to get a copy of the police report. It will list all the information you will be needing to start your claim.
Your insurance should be helping you as regards your claim. When you have figured out your losses, they (or you) will need to bill the person at fault, with a copy to his insurance company.
I wish you well with it, it is going to be stressful at best.
2006-12-14 05:25:23 · answer #1 · answered by oklatom 7 · 0⤊ 0⤋
Sounds like you are going through your own carrier to fix the damages? If so, you are going to have to handle your rental out-of-pocket (ONLY keep it until you have the check for the new vehicle in your hands- the other carrier will not cover the rental while you are looking for a vehicle.) When your carrier sends the subrogation (meaning an invoice to the other carrier asking for their money back) to the at fault party you can give them your rental bill to attempt to get in reimbursed too. Bring your concern up with your adjuster- they will help you out.
If you go through the at fault parties insurance- they usually put you in a rental while they are deciding if the car is a repair vs replace (if its non drive) but dont expect to be in a rental more then a few days once they make they total loss offer to you.
2006-12-14 04:17:55 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Depends what kind of coverage the other person have. If the driver has Full coverage with rental then yes they should be responsible to provide you a rental car. However if he only has Liability then no the other insurance will not pay for a rental car. The only way is for your to pay for the rental car and once you settle if they the insurance don't pay for the rental car you can sue the driver for him to reimburse you the money you use for the rental car.
2006-12-14 06:33:39 · answer #3 · answered by juanita77008 2 · 0⤊ 1⤋
Once your car is totalled and a check is cut, the insurance company responsible for paying the damages is no longer responsible for providing you with transportation (the rental car).
2006-12-14 18:24:38 · answer #4 · answered by purplepinkanddots 3 · 0⤊ 0⤋
all insurances are different. most that i know of in calif only cover 1 week of car rental when an accident occurs. you didn't mention the insurance company, so we don't know what they are responsible for other than paying for your car, any medical expenses incurred due to the accident, and 1 week rental. sucks, huh? and we live in this so called great state!
2016-05-24 03:09:16 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Ok, if you rent the car, you are resonsbile to pay them, but you should be able to get the money from the other drivers insurance.
Also does your own insurnace cover rental cars, often your insurance will have to pay your bills, and then sue the other driver.
2006-12-14 05:35:37 · answer #6 · answered by Anonymous · 1⤊ 0⤋
If the other person has insurance, you need to contact the insurance company to find out what they will cover for you and what they expect to do.
If the other person DOES NOT have insurance, you better have ininsured motorist insurance yourself or you're really going to be screwed and will need a lawyer.
2006-12-14 04:15:42 · answer #7 · answered by Anonymous · 0⤊ 0⤋
I am not sure, ask your insurance agent and if not you might be able to talk a dealer into a loaner car while you are getting a new car (most dealers will do this but only if you are getting a new/used car from them)
2006-12-14 04:14:57 · answer #8 · answered by HappyGoLucky 3 · 0⤊ 0⤋
yeah they will have to cover it. trust me i work at a paint and body shop. they should cover your rental for as long as your car is being worked on. is there anyway it can get fixed tho or is it totally totaled?
2006-12-14 04:22:33 · answer #9 · answered by Mike's Girl 1 · 0⤊ 0⤋
not necessarily. You need to get authorization from their insurance company, or if they do not have insurance, then you will need to get the other party to agree to it. If they do not agree, you will have to pay for it and then take them to small claims court, or have your insurance foot the bill for everything.
Im guessing they do have insurance, so check with their insurance agency first.
2006-12-14 04:19:35 · answer #10 · answered by designerista 4 · 0⤊ 0⤋