I rented a car a year ago, and a rock cracked the windshield. Enterprise charged $632, and my insurance covered the cost. However, it’s now showing up as an at-fault accident on LexisNexis. Is this correct, considering it should be classified as a comprehensive claim? What options do I have for recourse? The car was parked on the street when the incident occurred, so I don’t believe it should be marked as at fault. Should I dispute this with LexisNexis?
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?
It sounds frustrating to deal with this situation, especially since the damage was caused by something out of your control. Generally, windshield damage caused by rocks is covered under comprehensive insurance, not as an at-fault accident. Here are some steps you can consider taking:
Review Your Insurance Policy: Check your insurance policy to confirm that windshield damage falls under comprehensive coverage. This will help you understand your rights and responsibilities.
Contact Your Insurance Company: Talk to your insurance agent about the situation. Explain that the claim was filed for comprehensive coverage and ask why it’s being reported as an at-fault accident. They may be able to correct this issue on their end.
Dispute with LexisNexis: If your insurance confirms that this should not be classified as an at-fault accident, you can dispute the report with LexisNexis directly. Provide them with documentation, such as your insurance policy and any correspondence with your insurance company.
Keep Records: Maintain records of all communications you have regarding this matter, including dates, people’s names, and details about the conversations. This documentation could be useful in your dispute.
Consult with a Professional: If you’re facing difficulty resolving this, consider consulting with an insurance professional or attorney who can advise you on your rights and help you navigate the dispute process.
Monitor Your Credit Report: Since this incident could potentially affect your future insurance rates or credit, monitor your reports regularly to catch any additional errors.
Taking these steps should help clarify the situation and potentially correct the reporting to LexisNexis. Good luck!