My rental car be involved in a hit and run disaster while it was parked . Called rental company and they said it be ok to drive the car. When I drove it, it cause further damage to motor. First to begin next to it was not my culpability as they asked me to drive. Second, my insurance paid them money and they still want more. They are claiming the full amount is not compensated to them by my insurance(about $1500 remaining).BTW, my insurance company did not find me at fault. So what are my option in this situation? And the state is california. Thanks.
To begin beside, how can the rental agency, who has not see the car nor the desecrate to it tell you it's okay to drive it? You probably should hold refused to do so until they come and looked at it, and then the secondary damage wouldn't be a factor. But, alas, you did.
Secondly, if your insurance found you to not be at blame, why did they pay anything out? If it be a hit and run, the insurance on the vehicle should have covered any collision costs. Is the $1,500 they are claiming your deductible amount? If so, and if your insurance for doesn`t matter what reason permitted blame and paid adjectives but your deductible, you would owe that amount to them. But I still don't understand why your insurance would vote you are not at fault, and consequently pay out.
Your best source of information will be not here, but near your agent to find out what is really going on with this. I craving you well.
Tell the rental company to settlement with your insurance and make tracks you alone. That is what you pay insurance for.
Sounds close to the rental company is just trying to draw from some extra cash.
Edited to supply, that if you owe a deductible for the insurance, your insurance company should bill you directly for that. Not the rental company.
The babe from Florida is correct. Read the 'temporary substitute vehicle' clause within your policy. All coverages (including a deductible) extends to the rental vehicle in the event of a loss. So, payment the rental company your deductible and let your insurer matter with the rest of the problems.
And, NO, it's not your idiosyncrasy. So -- what if you park your personal car surrounded by a parking lot, come back and it's be hit? Still not your fault but you own to pay the deductible lower than the terms of your collision coverage.
It's mortal forgotten here that in CA, IF you hold comp/collision coverage, it will NOT cover you in a rental UNLESS that rental is a short-term replacement due to your car self serviced. Comp/collision coverage is limited solely to the vehicle listed on the Dec Page, unlike liability coverage. If you're renting on time off or for some other non-repair issue, your coverage should NOT pay for the vehicle, since it's not covered.
That leaves you within an unenviable situation, you hold to deal near the insurance company by yourself. Assuming CA does not have any state minimums afterwards technically the rental is not covered for comp/collision if you opted out of it when you picked up the vehicle. However, if the rental agency agrees that you own no liability, they cannot come back to you one-sidedly for payment. CA is a 'strict comparative' negligence state, so you singular owe the costs that you are responsible for.
Did you rent using a major credit card? Many main credit providers will cover a rental on their cards, you just hold to ask. They don't advertise that reality. Also, check with a CA agent or adjustor, but surrounded by many states you are required to hold a minimum amount of coverage on a rental, and if your policy doesn't cover you, the rental agency is required by law to provide the coverage, even if you didn't rate for it.
Answers: clearly the two general public above me dont know about coup¨¦ insurance. You do realize that since your insurance had to earnings that you will owe atleast your deductible to the rental company right?
This car take the place of your car.. its a replacement vehicle.. accordingly it gets the coverages yours do.
IF you be in a hit and run within your car... and you have no information .. you would have to discharge your deductible for your insurance adn they would fix the car.
same entry here... now.. if they want mor ethen the deductible... you could possibly dispute that. Do they own it recorded that they said you could drive it?
People are so ridiculous who voice "the rental company is trying to get money" please. You infer big rental companies sit around plotting ways to get money stale insurance claims? Thats ridiculous and people who speak that need to grow up.
****
oklatom- im surprised you answered this sound out wrong. Maybe its just my state... (Florida) but rental cars spill out under impossible to tell apart coverage as your normal vehicle (being collision) when you are in an stroke of luck in your coup¨¦.. regardless of fault.. if you jump through your carrier... your insurance pays below collision less deductible
when a customer get a rental.. its the same article. If there is not a soul to go after (hence the hit and run) rental companies other collect out of the renters insurance.. and insurance companies gladly earnings out. Again, this vehicle was contained by your possession.. it was a replacement vehicle.. it would be in recent times like if someone hit your own motor. Insurance would never deny a collision claim simply bc your not at fault?
How discouraging is an IN10 on my...
To begin beside, how can the rental agency, who has not see the car nor the desecrate to it tell you it's okay to drive it? You probably should hold refused to do so until they come and looked at it, and then the secondary damage wouldn't be a factor. But, alas, you did.
Secondly, if your insurance found you to not be at blame, why did they pay anything out? If it be a hit and run, the insurance on the vehicle should have covered any collision costs. Is the $1,500 they are claiming your deductible amount? If so, and if your insurance for doesn`t matter what reason permitted blame and paid adjectives but your deductible, you would owe that amount to them. But I still don't understand why your insurance would vote you are not at fault, and consequently pay out.
Your best source of information will be not here, but near your agent to find out what is really going on with this. I craving you well.
How mcuh would insurence cost for a...
Tell the rental company to settlement with your insurance and make tracks you alone. That is what you pay insurance for.
Sounds close to the rental company is just trying to draw from some extra cash.
Edited to supply, that if you owe a deductible for the insurance, your insurance company should bill you directly for that. Not the rental company.
Does anyone know if i can still...
The babe from Florida is correct. Read the 'temporary substitute vehicle' clause within your policy. All coverages (including a deductible) extends to the rental vehicle in the event of a loss. So, payment the rental company your deductible and let your insurer matter with the rest of the problems.
And, NO, it's not your idiosyncrasy. So -- what if you park your personal car surrounded by a parking lot, come back and it's be hit? Still not your fault but you own to pay the deductible lower than the terms of your collision coverage.
How long can you continue to report...
It's mortal forgotten here that in CA, IF you hold comp/collision coverage, it will NOT cover you in a rental UNLESS that rental is a short-term replacement due to your car self serviced. Comp/collision coverage is limited solely to the vehicle listed on the Dec Page, unlike liability coverage. If you're renting on time off or for some other non-repair issue, your coverage should NOT pay for the vehicle, since it's not covered.
That leaves you within an unenviable situation, you hold to deal near the insurance company by yourself. Assuming CA does not have any state minimums afterwards technically the rental is not covered for comp/collision if you opted out of it when you picked up the vehicle. However, if the rental agency agrees that you own no liability, they cannot come back to you one-sidedly for payment. CA is a 'strict comparative' negligence state, so you singular owe the costs that you are responsible for.
Did you rent using a major credit card? Many main credit providers will cover a rental on their cards, you just hold to ask. They don't advertise that reality. Also, check with a CA agent or adjustor, but surrounded by many states you are required to hold a minimum amount of coverage on a rental, and if your policy doesn't cover you, the rental agency is required by law to provide the coverage, even if you didn't rate for it.
Answers: clearly the two general public above me dont know about coup¨¦ insurance. You do realize that since your insurance had to earnings that you will owe atleast your deductible to the rental company right?
This car take the place of your car.. its a replacement vehicle.. accordingly it gets the coverages yours do.
IF you be in a hit and run within your car... and you have no information .. you would have to discharge your deductible for your insurance adn they would fix the car.
same entry here... now.. if they want mor ethen the deductible... you could possibly dispute that. Do they own it recorded that they said you could drive it?
People are so ridiculous who voice "the rental company is trying to get money" please. You infer big rental companies sit around plotting ways to get money stale insurance claims? Thats ridiculous and people who speak that need to grow up.
****
oklatom- im surprised you answered this sound out wrong. Maybe its just my state... (Florida) but rental cars spill out under impossible to tell apart coverage as your normal vehicle (being collision) when you are in an stroke of luck in your coup¨¦.. regardless of fault.. if you jump through your carrier... your insurance pays below collision less deductible
when a customer get a rental.. its the same article. If there is not a soul to go after (hence the hit and run) rental companies other collect out of the renters insurance.. and insurance companies gladly earnings out. Again, this vehicle was contained by your possession.. it was a replacement vehicle.. it would be in recent times like if someone hit your own motor. Insurance would never deny a collision claim simply bc your not at fault?
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