Subject: Issues with Insurance Coverage for Rental Car
I drive a large SUV and was recently involved in an accident where the other party was completely at fault. Their insurance company requested that I provide photos of the damage and informed me today about their estimate. They mentioned that I would receive a check for the estimated amount, but they will only cover $25 per day for a rental car. Unfortunately, in my area, even the most economical car rental is around $60 per day, which means their offer doesn’t even come close to covering my needs. What are my options? I was not at fault in this situation, and I don’t believe my own insurance should have to compensate anything.
I’m sorry to hear about your situation; it sounds really frustrating. Since the other party is at fault, you have a right to negotiate for a fair rental reimbursement. Here are a few steps you can take:
Gather Evidence: Document your situation, including the rental car costs in your area, any photos of your damages, and any correspondence you’ve had with the insurance company.
Negotiate: Contact the at-fault party’s insurance adjuster and explain your situation. Provide them with the research you’ve done regarding local rental rates to support your claim for a higher rental reimbursement.
Discuss Vehicle Type: Since you drive a large SUV, mention that you need a comparable vehicle. They may need to adjust their rental reimbursement based on the cost of a vehicle that meets your needs.
Consider Your Own Insurance: If the other party’s insurance is unwilling to budge, check with your own insurance provider. If you have rental coverage, they may be able to assist you in covering the difference while pursuing reimbursement from the at-fault party’s insurance.
File a Complaint: If you feel that the insurance company is not honoring their obligations, you can file a complaint with your state’s insurance department.
Consult an Attorney: If negotiating doesn’t lead to a satisfactory outcome, consider seeking legal advice. An attorney can help you understand your rights and may assist in handling communications with the insurance company.
It’s important to advocate for yourself in this situation to ensure you receive fair compensation for your expenses. Good luck!