so this past weekend somebody ran a red light and completley messed up the side of my car.. she addmitted to fault but i had questions about renting a car, i am under 21.. but shouldnt i still be liable for renting a car when it wasn't my fault..? even if i am underage? i am 20
2007-11-12 06:02:53 · 6 answers · asked by tinx420 1 in Cars & Transportation ➔ Insurance & Registration
Contact the at fault party's insurance company and request that they provide you with a rental car. Most rental companies will not rent to someone under 25, but most insurance companies have arrangements with rental car companies for cases like this!
If you were not at fault, you are not liable for anything. The other party is required to pay for your repair and other expenses!
Of course when you tell them that you think you are going to have to go to the doctor because your back and neck are getting sore, it may get their attention!!
Good luck!
2007-11-12 06:11:50 · answer #1 · answered by fire4511 7 · 3⤊ 1⤋
Your case is common in the insurance industry. Many insurance companies will not rent a car to anyone below the age of 25, other only care that you are over 20. It truly depends. However,
even if you cannot get into a rental car, the insurance company owes you the loss of use of your vehicle.
Insurance companies do carry a lot of weight when dealing with rental car companies. They get their primary business from them.
The claim adjuster can help you (if you get on their good side).
Many insurance companies will require that you pay CDW (collision Damage waiver) and extra insurance. The insurance company should cover this, but some states allows them to only pay for the actual rental fee. So you would still have to foot the bill for extra fees.
In addition, some states will make the insurance company pay for gas, insurance, CDW, and mileage (Montana). But most states will make you pay for those out of pocket.
Rental car claims can be difficult because regulations change from state to state. Check your state statutes regarding Loss of Use and Rental Cars. Also check: http://www.auto-insurance-claim-advice.com/rental-car-claim.html
I think you should try to rent the vehicle. In many occasions age is not an issue (I personally rented vehicles since I have been 20). They took copies of my ID and my credit card. If they rent the car to you, then you can get some wheels.
If that does not work, check your state requirements, or contact the department of insurance in your state. Call those folks, the know how to treat insurance companies and how to get you into a vehicle.
If that does not work, you could do as outlined above. Have the insurance company rent a vehicle for a third party and drive the third party's car.
Good Luck.
2007-11-14 16:28:00 · answer #2 · answered by hequiroga 2 · 0⤊ 1⤋
Ok this is a very good question. You are liable for the rented car. However you wouldn't need a rental car if you hadn't been hit so.....the insurance company of the person at fault USUALLY handles the rental car for you. I would make sure the other insurance company does handle this for you as you are under age and most rental companies won't rent to you.
Momma_Bear
2007-11-12 14:08:51 · answer #3 · answered by the_morris_bears 4 · 0⤊ 3⤋
most rental companies will not rent a car to some one under 21 sorry but that's the real. As far as who's fault it was makes no difference for the rental car place it has to do with their insurance I think they call that ironic?
2007-11-12 14:12:33 · answer #4 · answered by JC 4 · 1⤊ 2⤋
Liable means, legally responsible.
Just because you're entitled to have someone else pay for a rental car for you, does NOT mean that a rental car company is forced to rent to you. They are two different things.
I'd suggest your mom rents the car, and you borrow hers. NOT the rental. Be sure you're added as a listed operator.
2007-11-12 14:08:55 · answer #5 · answered by Anonymous 7 · 1⤊ 2⤋
If you are getting it fixed at a dealer then they should have a courtesy car for you. Even if it costs more just add it to the bill of your car that’s being fixed and hand her the bill.
2007-11-12 14:22:28 · answer #6 · answered by wisemank79 1 · 0⤊ 3⤋