I have UM coverage with UMBI and UMPD in Texas. My agent told me I don't have rental car coverage but I still have to pay a $250 deductable and I'm really confused right now. I had an accident with an hit-and-run driver and it wasn't my fault. I filed a police report but they haven't received it yet. And I am still waiting for my claim to get settled. It is taking forever and I'm getting frustrated. Someone please help me understand if rental car is covered under my UM coverage. Why i cannot receive a rental car and why am I paying a deductable when the accident was not my fault and the driver had no insurance or license. Please help!!!
2007-05-01 06:19:25 · 14 answers · asked by jam25ila@sbcglobal.net 3 in Cars & Transportation ➔ Insurance & Registration
Rental Car coverage means if you buy it, you get rental car to cover the period your car is in the shop. If you didn't buy it, you don't have it.
Uninsured Motorist Coverage may or may not cover physical damage. In some states it only covers bodily injury, and there may be a deductible involved. Read your insurance contract for details.
So the reason you did not receive a rental car is because you likely did NOT buy rental car coverage. As for why you have to pay deductible if it's a hit-and-run, well, it could just be in your contract. Have your agent show you the relevant section(s). That why he's there... to explain the contract and coverages.
2007-05-01 07:25:17 · answer #1 · answered by Kasey C 7 · 0⤊ 0⤋
UMPD is Uninsured motorist PROPERTY DAMAGE. Strictly what was damaged in the accident. It does not offere a rental car as the guy above me stated. It also doesn't handle your claim like they were insuring the other person. It strictly handles the damage to you car at the extent of the policy (mine is $3,500 max with a $250.00 deductible) Rental car coverage is an additional coverage and may not be available on a liability only car. the reason that you are being charged a deductible is because that is the coverage that you signed for. If you decide to get a rental car, then you will have to include that in the suit against the other driver. Your insurance may include that in their case for you.
BE CAREFUL, when you rent a car, you will want to get their damage waiver, since you do not have full coverage on your policy, it will not cover damage to the rental car, regardless of fault.
Think of an uninsured motorist situation this way.... If someone were to break into your house and steal items, you would still have to pay your homeowners deductible even though it was not your fault that your stuff was stolen. Just because it wasn't your fault doesn't mean that you don't have to pay for the person that decided to break the law.
2007-05-01 09:39:43 · answer #2 · answered by buttrfly52 4 · 0⤊ 1⤋
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2016-09-25 03:15:46 · answer #3 · answered by Carlos 3 · 0⤊ 0⤋
Uninsured/underinsured covers medical bills only, not rental cars and car repair.
You have to pay your deductible to repair your car even if it was a hit and run. That's why you always need to balance your need for a low deductible with a need for a low premium. Which is more important to you?
Rental car coverage is a separate coverage completely separate from uninsured/underinsured motorist coverage.
Rental car coverage is usually an option that people aren't willing to pay for until they actually need it and they realize they should have bought it. To rent a car it is usually $35 a day for an average of 2 weeks - if you would have purchase the rental car coverage it would have cost you around $14 every six months and you wouldn't have to pay for your rental car out of pocket. Sorry--unless you have the coverage you are S.O.L. You can always add the coverage for future use. Hindsight is always 20/20.
2007-05-01 07:37:34 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Rental car coverage is an additional coverage in addition to your UMBI and UMPD coverage. Unfortunately it is not included under your UMPD. UMPD is for property damage only - so that if your car is hit by an uninsured motorist/hit&run, the damages to your vehicle are covered. If you need to rent a car and do not have rental car coverage, unfortunately you will need to do so out of pocket.
You are also trying to understand why you have to pay your deductible? That's part of your collision coverage, regardless of fault everyone is responsible for their deductible. Now if you were hit by someone with insurance and it was their fault, then their carrier would reimburse you the deductible. As for your deductible under UMPD - your insurance company MUST investigate to make sure it is a UM/Hit&Run driver situation before they can reimburse your deductible under UMPD coverage. Say the police report comes back with information on that driver, and he turns out to have insurance - in that case if your carrier did pay you your deductible under UMPD that would be incorrect. Therefore, they have a right to investigate to make sure they are applying the correct coverage.
Lesson for next time - add on the rental car coverage, it's probably less than $20/year on top of your entire premium. It's worth if if you don't have an extra car to drive. And if you can't afford your deductible, maybe it's worth it to lower it.
2007-05-01 06:41:51 · answer #5 · answered by S17V 4 · 0⤊ 0⤋
Sorry to hear the problems your going through but all insurance companies will charge you a deductible when you file a claim against your policy, as for the other driver not having insurance or even worst no license all you can do is file a civil suit or small claim, as for your rental issue it depends on the company your insured with but most will not authorize a rental car if you dont have rental car coverage, you can always claim that your agent didnt explain the policy to you about rental coverage in this situtaion and maybe the claims adjuster will authorize your claim, in most state all insurance companies have 30 DAYS to settle your claim check out globalwideinsurance.com
2007-05-01 07:00:48 · answer #6 · answered by Anonymous · 0⤊ 2⤋
Yes.
Under UMPD your insurer is to handle your claim as if they insured the other fellow in the accident.
If the other fellow was 100% at fault, they owe you 100% of your damages, not just the repair of your car.
Your loss of use of your auto is part of your "damages".
Unfortunately there's a contract involved, it's called a policy. There may be some weasle wording to deny you a rental car, but I have never seen a UM policy pick and choose what would be covered and what would not.
You didn't buy rental coverage, but the UM is supposed to extend to you the same coverage you would have had if the other guy had insurance, and that would have included a replacement car when your car is in the shop being repaired.
.
2007-05-01 06:40:16 · answer #7 · answered by s2scrm 5 · 2⤊ 2⤋
The rental car coverage is usually a separate line item on your insurance, and not connected to the uninsured motorist coverage. Now, you could separately sue the guy who hit you for that expense, that would be okay, but your insurance carrier probably already has...
2016-05-18 00:51:42 · answer #8 · answered by Anonymous · 0⤊ 0⤋
If you need a rental car, get one. And when the time comes to fix your car, pay the $250 deductible you signed up for when you took out the insurance. When your car is finished, return the rental, and then take the person who hit you to court to get back what you are out, IE, $250 plus the rental costs.
2007-05-01 06:25:30 · answer #9 · answered by oklatom 7 · 0⤊ 1⤋
UMPD covers rental. You are now in the place of the 3rd party with your nsurance company. Property damage includes loss of use which is rental.
2016-10-08 19:41:48 · answer #10 · answered by ? 1 · 0⤊ 0⤋