The accident was not my fault. How long should the insurance company allow me to use the rental car to find a nrw vehicle?
Is there a limit(within reason) or can they stop paying for it when I recievepayment for my totaled vehicle?
2007-01-19 09:32:07 · 8 answers · asked by Mick 1 in Cars & Transportation ➔ Insurance & Registration
I was not at fault in the accident and the claim is through the other drivers insurance not mine, so I don't have their policy info.
2007-01-19 09:56:41 · update #1
You are required to mitigate your damages. The moment you suspected your car was a total loss, and definitely the moment you received confirmation your vehicle was a total loss is the instant you should have immediately taken steps to secure a replacement vehicle. Normally, rentals stop 48 hours AFTER the 1st offer of settlement. It takes a few days to get a replacement vehicle--not weeks or months.
They owe you for reasonable rental....not eternity. If you're in a rental and you haven't bought a new car, you need to do so asap--they will cut you off in a heartbeat and the excuse, "I was waiting on my settlement check to go buy one" doesn't matter---you get your car and when you get the check, send it to the bank.
2007-01-19 17:16:33 · answer #1 · answered by bundysmom 6 · 0⤊ 0⤋
This is going to depend on the state and the 3rd party insurer you're claiming through.
In Texas, the very large company I work for pays for 72 hours of rental after we've made an OFFER on your total loss. So if we made an offer to pay on Monday, you'll have it through Thursday. I would imagine most other companies are pretty similar, but you can ask your adjuster this directly and likely get a very direct reply.
Sometimes people wrangle an additional day or two out of me, particularly when I'm trying to settle their injury claim at the same time. Good luck!
2007-01-19 18:39:48 · answer #2 · answered by ezlndylan 2 · 0⤊ 0⤋
Insurance isnt required to keep you in a rental while you look for a car. Generally they will cut rental off when you sign your total loss papers and they give you the check.. if they feel generous you will maybe get another 3 days
2007-01-19 18:18:43 · answer #3 · answered by la428282 6 · 0⤊ 0⤋
A rental is probalby spelled out in your policy if this is a feature. As the customer sevice arm of your insurance company, your agent should be knolwegeable with this and also be able to show you in the policy where it is covered.
Maybe try a 'rent a wreck' location near you if available if you need one longer term.
2007-01-19 17:49:02 · answer #4 · answered by tlbarber 2 · 0⤊ 0⤋
The day they make you an offer the rental stops in many states. Most companies will, however, let you slide about two extra days so you can shop for another car. Keep in mind that if you refuse the offer they will no longer pay for rental.
2007-01-19 19:26:32 · answer #5 · answered by Anonymous · 1⤊ 0⤋
They'll normally stop paying for a rental a few days after they settle the claim, or when your coverage runs out which is usually 30 days. If you refuse a "reasonable offer" they'll stop paying immediately.
2007-01-19 20:09:22 · answer #6 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Check your insurance policy. There might be a number of days that the insurance will pay for a rental.
Or call your insurance agent.
2007-01-19 17:39:05 · answer #7 · answered by vgordon_90 5 · 0⤊ 0⤋
They will likely want you to turn the car in when you get the check for your car. I would get transportation lined up. I do not believe there is any law requiring them to rent you a car after they have paid you for yours.
2007-01-19 17:37:14 · answer #8 · answered by J.R. 6 · 0⤊ 0⤋