I was hit by someone who ran a stop sign, it did alot of danmage to my car, it will be a few weeks before its fix, i want to know will there insurance co, pay for a car rental, they had libiblity insurance,,but also the person driving the car did not owne the car, it was loaned to her by the owner..
2007-05-08 07:38:35 · 7 answers · asked by RICK C 1 in Cars & Transportation ➔ Insurance & Registration
Yes the at fault parties carrier will be able to provide a rental car under the liability coverage (as long as they have deemed the driver at fault for the accident) and coverage should be afforded even though the owner was not the driver. As long as the driver had permission and was not an excluded driver. So, if they are already handling the damages to the vehicle - call them and request a rental car - they have a duty to provide you with one for the days of repair.
*Rental car coverage - on an insurance policy - is a first party coverage - if you purchased rental car coverage on your own policy - that would only cover a replacement vehicle for your own while it's being repaired.
*Liability coverage - on an insurance policy - is a third party coverage - it would cover repairs and rental car and reimbursement for property damage to a third party - in which you cause damage to.
2007-05-08 09:58:21 · answer #1 · answered by S17V 4 · 0⤊ 0⤋
Insurance follows the car, not the owner. If the car was covered, then you are ok. If the other person was at fault, their property damage coverage will pay for the repair to your vehicle as well as a reasonable amount for a rental car.
2007-05-08 08:26:36 · answer #2 · answered by NY1Krr 4 · 0⤊ 0⤋
If the other driver is deemed "at fault" then their insurance company will pay for your rental car. That will be covered under his liability coverage, assuming that he has enough coverage to pay all of the damages. It does NOT matter if he has full coverage or not, this is a liability issue only.
If you are in a "no fault" state, your insurance company will pay for the damage to your car and the rental car based upon your coverage. In this case, they'll only cover the rental car if you have rental reimbursement coverage.
2007-05-08 07:50:56 · answer #3 · answered by Bostonian In MO 7 · 0⤊ 0⤋
Do not let your insurance company off the hook on the rental car. If you have comprehensive insurance that does not include covering rental, your insurance company should guarantee the rental and recover costs from the other rental company.
You have probably paid enough in premiums to protect against accidents that are not your fault.
2007-05-08 07:56:04 · answer #4 · answered by sad_state_of_affairs 2 · 0⤊ 0⤋
The owner's insurance will have to pay as long as they have the liability.
Unless they had full coverage insurance, and I doubt they did, you will have to pay for the rental out of your pocket, though you could in theory try to sue for the cost in small claims court.
And I hate to say this but your typing and words are AWFUL!!!!!
2007-05-08 07:44:18 · answer #5 · answered by Waiting and Wishing 6 · 0⤊ 1⤋
You can refinance your vehicle, or let them take the vehicle, and just apply for a another loan for a new car. I had really bad credit, and I applied for a car loan through this company and go approved really quickly and surprisingly easily. Heres a link to they're website. http://goshorter.com/465/ I've had no problems, and I have nothing but good things to say about them. I highly reccomend them!
2007-05-09 09:18:00 · answer #6 · answered by Ashley D 1 · 0⤊ 0⤋
the shortcoming of empathy on the area of human beings strike returned. How might you experience in case you have been the guy who were hit by ability of a condominium motor vehicle and the assurance suited to the condominium motor vehicle did not conceal your motor vehicle
2016-10-15 03:05:14 · answer #7 · answered by ? 3 · 0⤊ 0⤋