A guy backed into my car and his insurance company says they will not pay for the difference between my current liability insurance and the full-coverage insurance that is required for the rental. I have the police report saying I am not at fault. I am in South Carolina. I am currently driving the rental and paying for the difference out of my pocket but I think that his insurance company is just trying to get out of paying. Am I correct? Is there anything I can do/say to get them to cover it?
2007-11-13 08:48:28 · 3 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Our company reimburses your for the cost of the rental per day, plus the tax. We do not owe you for the gas you put in, or extra insurance coverages you chose to purchase. Depends on the company and their policies
2007-11-13 09:21:48 · answer #1 · answered by ♥ Uwish ♥ 6 · 0⤊ 0⤋
I'm an insurance adjuster for Washington State. Each state has different rules and regulations. Technically, if you are not at fault the other drivers insurance is responsible for the entire loss. However, things become questionable when issues like insurance for a rental because they are not necessarily considered a "Direct Loss". If you have "under-insured" coverage on your policy you can have your insurance cover it and they will go after the other insurance company.
The best thing you can do is call up the insurance commissioner office for South Carolina. It's free and they are usually more than happy to help. They will let you know your rites under South Carolina law. If the other insurance company is in the wrong...do not hesitate to file a complaint with the insurance commissioner. Valid filed complaints against a insurance company is extremely detrimental to them. After a complaint they will do anything to make you happy (no joke). The best thing about the insurance commissioners office is it's like getting a free lawyer.
2007-11-13 17:11:07 · answer #2 · answered by Aaron M 2 · 1⤊ 0⤋
If you did not purchase collision and comprehensive coverage on your vehicle (full coverage) then the insurance company will not pay for you to have a collision damage waiver (cdw) on the rental car. All they will pay for is the daily rate and tax/surcharge on the rental. They do not owe you "full coverage" on the rental vehicle when you chose not to put it on your own car. Therefore, you will have to pay for the damage waiver.
2007-11-13 19:06:22 · answer #3 · answered by Boots 7 · 0⤊ 0⤋