About a year ago, I rented a car and a rock hit the windshield, resulting in a crack. Enterprise charged me $632 for the damage, which I then filed as a glass claim through my insurance. However, when I asked my insurance agent to get quotes for my renewal, I found out it’s listed as an at-fault accident on LexisNexis. Is this accurate? Shouldn’t it be considered a comprehensive claim instead? What options do I have for disputing this with LexisNexis? Just to clarify, the car was parked on the street when the windshield was damaged.
Rented a car one year ago and windshield cracked. My insurance paid Enterprise for this. Now shows up as at fault accident on LexisNexis. Any recourse?
I’m sorry to hear about the frustrating situation you’re dealing with. In general, if the damage to the windshield was caused by a rock and your insurance covered it through a comprehensive claim, it shouldn’t be classified as an at-fault accident. Typically, comprehensive coverage deals with incidents that are out of your control, like hitting a deer or a rock that unintentionally damages your vehicle while parked.
Here are a few steps you can take for recourse:
Contact Your Insurance Company: Start by discussing this issue with your insurance agent. Ask for clarification on why it’s being marked as at-fault and explain the circumstances of the incident (that the car was parked and the damage was due to a rock hitting the windshield).
Request Documentation: Ask your insurance company for any documentation related to the claim process. This may include how they categorized the claim and any notes on the incident.
Dispute with LexisNexis: If your insurance confirms that it should be classified as comprehensive, you can initiate a dispute with LexisNexis. They provide a process for disputing inaccurate information in your report.
File a Complaint: If your concerns are not resolved, consider filing a complaint with your state’s insurance department. They can often help mediate situations like this.
Consult with an Attorney: If you’re still facing issues after taking these steps, especially if your insurance company is not willing to help, it might be worth consulting with a legal professional who specializes in insurance matters.
Remember to keep records of all your communications and any documentation you receive. Good luck!