If i'm rear-ended in an auto accident, the other driver is at fault and their insurance covers my rental. are there any limitations as to what the insurance covers? will i be responsible for the damage waiver and so forth?
2007-07-31 13:37:50 · 11 answers · asked by thirty220 1 in Cars & Transportation ➔ Insurance & Registration
i was actually asking who pays for the insurance on the rental car.
2007-07-31 14:14:47 · update #1
i'm not young. the other driver was proven to be at fault.
2007-07-31 14:25:47 · update #2
The person who pays for insurance on the rental car is the person who is renting the car. If you are in a rental due to an accident, the insurance company is only required to provide you with alternative transportation while your car is being repaired. They have no legal requirement to pay for insurance because you elected not to purchase comp/collision or liability insurance for yourself OR if it's a situation where your own insurance policy doesn't transfer to a rental.
2007-07-31 16:51:41 · answer #1 · answered by bundysmom 6 · 1⤊ 0⤋
1
2016-09-25 02:52:14 · answer #2 · answered by Roxana 3 · 0⤊ 0⤋
The other persons insurance will pay for the rental car. You will need to get a car similar to your own (if you have a small car you can't get a hummer!). If you want to pay extra for the rental to reduce the excess in case of a crash this will most likely come out of your own pocket, as will petrol. Most of the time you will need to pay for the rental and the other insurance company will reimburse you afterwards. Make sure you document why you needed your car everyday incase they try and stuff you around.
I hope it all works out for you - being in a car accident is a real pain.
2007-07-31 14:30:58 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If you want the insurance on the rental car, YOU have to pay for it. In most states, on most policies, your LIABILITY coverage will carry over onto the rental car, while yours is in the shop. Physical damage, however, is a bit of a different story - it varies more. Ask your agent if your policy will carry over to the rental for Collision and Comp.
In either case, your policy WON'T cover "loss of use" while the rental car is being repaired, if it's in the shop.
2007-08-01 03:06:25 · answer #4 · answered by Anonymous 7 · 0⤊ 0⤋
The other company will pay for a vehicle of like kind & quality to your own. So, if you have a small sedan, they would pay for a car like a Honda Civic. If you have a large SUV, they will pay for a Jeep Cherokee or something like that. They will pay a daily rate for the vehicle type you have but they will not pay the insurance, that is optional coverage that you can choose to pay if you want to purchase it.
2007-07-31 15:20:55 · answer #5 · answered by Sue 6 · 0⤊ 0⤋
Insurance generally only covers the car rental, the LDW insurance is your responsibility. LDW is optional, but I wouldn't rent a car without it - too many things beyond your control.
2007-07-31 18:31:51 · answer #6 · answered by Anonymous · 0⤊ 0⤋
i got rear ended whilst in a traffic jam on the motorway..the law states if u are rear ended in any circumstance, u are in the right because the rear ender....yes, i said rear ender children, was too close to be driving safely. i notified my insurance company, and lost my 'no claims' bonus....im not gonna bore u but after many years and ultimately threatening with legal action, i got what i was owed. the point of the story is two-fold.....dont **** about like i did, if ur rear ended its definately not ur fault and u will not be responsible for anything, and secondly, yes children it hurts to be rear ended, dont try it at home
2007-07-31 13:51:56 · answer #7 · answered by british_soldier2 2 · 0⤊ 1⤋
uhm just because you were rear-ended does not make the driver behind you at fault. you must be very young. trying to go to court to find out who's at fault is a lose-lose situation. you will pay more in court costs than the deductible.
2007-07-31 14:16:09 · answer #8 · answered by Guy 3 · 0⤊ 1⤋
Your collision/comp & liability coverage on your personal vehicle will extend to the rental, still subject to your usual deductibles if you happen to crash it. The other company does NOT owe you for any additional coverages you don't already have.
2007-07-31 14:32:29 · answer #9 · answered by Anonymous · 1⤊ 1⤋
Are you paying for your own ins? Then why don't you ask your own agent.
That's his job!
2007-07-31 14:41:55 · answer #10 · answered by TedEx 7 · 0⤊ 0⤋