I dont have any of my own insurance and I did not get the insurance from the car rental place. Will I be able to still rent from them?
2007-11-12 10:23:55 · 0 answers · asked by lele 1 in Cars & Transportation ➔ Insurance & Registration
What will happen is that if you're found to be 100% or any portion of being at fault, you will have to pay for the damages before they will rent to you again.
If you rented with a credit card, call the company and see if they offer insurance for rentals that you used the card to rent the car with. Most cards do offer it.
Some rental agencies will rent you another vehicle but will require you to purchase insurance. It will not be an option, and you need to be careful as typically rental insurance offered only covers collision damage and not any comprehensive loss.
If you're not at fault, then they will go through the other vehicle's insurance. If they are uninsured and they have the info on the other vehicle then they will subrogate (go after) the other driver.
They will rent to you again after you have paid for any damages that you are responsible for, if applicable. As long as you do not have, or make a track record of damaging their cars, they will rent to you again. But they probably will not rent to you again without you without having exsisting insurance, or requiring that you purchase rental insurance from them if you do not have your own.
2007-11-12 13:11:14 · answer #1 · answered by Issues 3 · 1⤊ 1⤋
Something similar happened to me once in the early 90s. My friend was visiting from Korea and he needed a rental car. He was not yet 25 years old so I rented a car for him. Ironically, he needed the rental car to drive to a car dealership 30 miles away so that he could buy a car over there.
On the way to the dealership, he rear ended another car. The rental car was a Nissan Altima and the airbags went off. The damage to the car was $9,000.
I opted for the insurance but since I wasn't driving, it was not covered.
Basically, at the end of the day, you will owe them whatever it costs to fix (or replace if the damage was severe) the car. You will need to pay out of pocket to fix the rental car + pay out of pocket to fix the other person's car.
If you don't have the money, tough luck. You can always declare bankruptcy and let them fight it out with you in court but you'll be ruining your credit for a long time.
You can always just not pay but they will go after you legally until you either pay or your credit is so screwed that you'll be in financial hardship for a long time.
There answer actually is very easy. You didn't have insurance and you got into a car accident. The rental company needs to be paid for the car and the other person needs to be paid to get his car fixed. Normally the insurance company would pay for this but since you don't have one, it's on you.
RVD.
2007-11-12 12:57:54 · answer #2 · answered by RVD90277 2 · 2⤊ 0⤋
File a claim with your own insurance company. Some (not all) insurance companies will extend your coverage to a rental car. You will need to provide a copy of the rental contract to the insurance company so they can review it before affording coverage. You'll be responsible for your deductible, however if you are found not at fault, you may be able to recover that.
2016-03-13 22:42:07 · answer #3 · answered by Anonymous · 0⤊ 0⤋
How were you able to rent a car without insurance?? Car rental companies commonly do not rent to anyone who does not have their own auto insurance. Anyone who tries , it raises a red flag to the rental company. SInce you have no insurance, get ready to pay if the accident was your fault, they may even take you to court to recover repair costs. All of that information should be in your contract when you rented it. I think it is time that you seek legal advice. Chances are that you wont be able to rent from them again
2007-11-12 11:49:41 · answer #4 · answered by bobby 6 · 0⤊ 1⤋
The rental car company carries liability insurance. You turned down the supplimental insurance. Read your contract.
They will take care of the property damage to the other car. You will need to pay for damages to the rental as well as for the loss of use. They may even add a surcharge for handling the claims.
Edit: yes they will be more than happy to rent to you after you pay them for the damages.
Again, read your contract.
The other parties may also pursue you for damages.
Good luck, silly little girl, hope you saved lots of money.
2007-11-12 10:36:57 · answer #5 · answered by frank 5 · 2⤊ 0⤋
Insurance goes with vehicles. Most of the big rental places are self insured. You were offered insurance that would cover anything that was your fault, and turned it down, which says "If it's my fault, I will pay." Was it your fault? If so, pay.
Well, actually you probably already have if you rented with a credit card.
2007-11-12 10:57:01 · answer #6 · answered by oklatom 7 · 1⤊ 0⤋
The car rental likely charged you for liability because you cant rent a car with out one or the other. Look at your receipt you will likely see a 9 to 11 charge on there. Call them and report it anyway and see what there ins covers. God Bless
2007-11-12 10:28:12 · answer #7 · answered by Anonymous · 1⤊ 1⤋
it is UNclear how you wear able to rent a car w/o YOU having your OWN personal auto insurance.
but, certainly the rental co OFFERS insurance.
if you DECLINE it (AND the accident is your fault) then YOUR auto insurance will have to pay out.
and if you do not have your OWN auto insurance... you will have to pay out of YOUR pocket.
and if you don't have the money the rental car & possibly the other drivers auto insurance co will put a lien against you.
if it is NOT your fault BUT the other driver does not have the proper coverage then your auto ins will fix the rental.
of course, you may want to check with your STATE.
2007-11-12 12:11:53 · answer #8 · answered by bi2unicorn 3 · 1⤊ 1⤋
Depending on what credit card you used, sometimes it can be covered by your credit card. No Fooling it is a fact. American Express, Diners Club to name a couple.
2007-11-12 10:41:44 · answer #9 · answered by $1,539,684,631,121 Clinton Debt 6 · 1⤊ 0⤋
How did you manage to rent a car without insurance? Your story smacks of BS....
2007-11-12 10:27:22 · answer #10 · answered by Anonymous · 0⤊ 3⤋