I was in an accident that was not my fault. My car is now in the shop and it's taking longer to fix than expected. I called my insurance company to inquire about a rental car - and they said that I don't have rental car insurance. Shouldn't the other person's insurance pay for it - and shouldn't my insurance take care of this for me and then get reimbursement from them? I feel like I'm getting the run around.
2007-08-06 07:06:32 · 11 answers · asked by liddabet 6 in Cars & Transportation ➔ Insurance & Registration
Quit your complaining....run around...whatever.
YOU chose not to buy rental car coverage and that's YOUR problem. Does the other insurance company have to PAY for one? Yes! Do they have to direct bill it? NO--you pay, you send them the receipt, they reimburse YOU.
Should your insurance take care of it? NO. That's not their job, that's YOUR job. Their job is to abide by the terms of YOUR CONTRACT, which they are and you evidently feel ou are entitled to more and are deserving of special treatment.
2007-08-06 14:56:18 · answer #1 · answered by Anonymous · 2⤊ 1⤋
Hiya:
Short answer: The at fault party (or their carrier) would be responsible for the rental.
Longer answer: The carrier does NOT have to pay for the rental upfront. They can...but it is not required. At the very least? They would have to reimburse you after you submitted the invoice to them. Also, they would only be responsible for a comprable vehicle. They would not be responsible if you took out any additional insurance or whatever from the rental company
Keep in mind...
If the carrier only has...let's say $7500 limits and it is going to cost $7500 to fix your car - there isn't going to be any money left to pay your rental expenses. If you can work something out in that situation - do it.
Otherwise...call 'em up and make the request for a rental. They'll tell you what is and is not covered (Don't ask them to pay for a convertible if you had a Geo metro!) and they will tell you how they handle their rental billing.
More or less - it shouldn't be that hard. That's usually something I addressed with people up front! Oh well.
Goodluck!
~jifr!
2007-08-07 07:16:09 · answer #2 · answered by Jifr 4 · 0⤊ 0⤋
Well if you file a claim with you own insurance company, and they make any type of payment to fix your veh, they will go after the other persons insurance for reimbursement. But if you don't have rental coverage on your policy there not going to help you get a rental. If your going thru the other persons insurance company then yes they should pay for a rental veh that is similar in size, to your current veh. Most states it is a requirement that they would have to do this.
2007-08-06 12:33:48 · answer #3 · answered by D.L. 4 · 0⤊ 0⤋
You do need to communicate more with YOUR insurance company. It is their job to go after the other company. If it is indeed the other person's fault, their insurance company should be paying for a rental for you. It sounds like your insurance company is lacking in customer service. Of course, the only real way you find out about this is when a situation like your arises.
2016-05-19 22:39:35 · answer #4 · answered by lan 3 · 0⤊ 0⤋
Your insurance company will certainly make every effort to recover their expenses from the other insurance company. However, they will almost never be so diligent about collecting your out-of-pocket expenses. They may or may not collect your deductible. And would not be inclined to collect your car rental. You may need to put in a claim with the other insurance company for these items directly. And if they do not pay, you still have the option of taking the other driver to small claims court for both of these expenses.
2007-08-06 11:24:01 · answer #5 · answered by Tom K 7 · 0⤊ 0⤋
Your insurance company gave you the correct answer, you don't have coverage on your insurance for a rental vehicle. If you need one, rent it, and once you get your vehicle back and return the rental, submit the bill for the use of the rental on your claim. Chances are you will be reimbursed.
2007-08-06 07:48:15 · answer #6 · answered by oklatom 7 · 0⤊ 0⤋
IF YOU WERE NOT AT FAULT, AND OTHER PERSON DOESN'T HAVE INSURANCE THE YOUR INSURANCE
CO. SHOULD PICK UP THE BILL AND CHARGE BACK TO
OTHER PERSONS INSURANCE.. THE PROBLEM LIES THAT YOUR COVERAGE DOESN'T INCLUDE RENTAL CARS. IF YOU RENT A CAR YOUR CO. COVERS THE CAR FOR ACCIDENTS LIKE IT WAS YOUR CAR... COULD
BE A DEDUCTIBLE..
IF YOU CO. WONT HELP YOU OUT WITH SOME ANSWERS.. ID LOOK FOR ANOTHER CO.
AS THE LAW READS THE PERSON CHARGED FOR THIS
ACCID. PAYS FOR ALL YOUR REPAIRS PLUS IF INJURED
PAY HOSPITAL,TIME WAGES LOST EVERYTHING..
CALL THE OTHER PERSONS INSURANCE AND IF YOU GET ANY BULL.. THREATEN TO SUE THEM FOR LETS SAY A ADDITIONAL 10,0000.00 AND SEE HOW FAST THEY MOVE.
GOOD LUCK
2007-08-06 07:20:07 · answer #7 · answered by cliffie 4 · 0⤊ 0⤋
Typically your insurance company pays for your rental car if you have rental car coverage. Otherwise, your out of luck.
2007-08-06 07:27:30 · answer #8 · answered by Anonymous · 0⤊ 0⤋
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RE: Re: insurance. Who pays for rental car?
2014-06-25 16:13:26 · answer #9 · answered by Anonymous · 0⤊ 0⤋
This coverage should come from the other persons insurance company. Call them and see what they say. Your company does not sound very customer caring.
2007-08-06 07:43:47 · answer #10 · answered by sensible_man 7 · 1⤊ 0⤋