Subrogation Inquiry
Hello, I recently experienced a motor vehicle accident that is expected to be deemed the other driver’s fault. Unfortunately, my policy doesn’t include rental coverage, and my family has been using our secondary vehicle while our SUV undergoes repairs. We have a vacation planned later this week, and I’m wondering if hiring a car service for airport transportation would be eligible for reimbursement through subrogation, as our secondary vehicle cannot accommodate both our family and luggage. If this is possible, could you please clarify any limitations regarding the type of service or cost? Thank you!
Hi! I’m sorry to hear about your recent accident, but it’s good to know that you’re looking into your options. Generally speaking, subrogation allows your insurance company to pursue reimbursement from the at-fault driver’s insurance; however, the specifics can vary.
Depending on your policy and the insurance laws in your state, you may be able to submit receipts for transportation costs incurred due to the accident. Here are a few considerations:
Eligibility: Normally, costs related to transportation that are deemed necessary due to the accident might be reimbursable—however, it’s crucial to check with your insurer directly to confirm that car service costs are indeed covered.
Cost Limitations: Many insurance companies have a cap on reimbursements for transportation expenses. It could be based on the average cost of a rental car or a certain mileage rate, so reviewing your policy or discussing this with your claims adjuster is essential.
Documentation: Make sure to keep detailed records and receipts for any car service you use. Documentation will be crucial when submitting your claim for reimbursement.
Pre-approval: Some insurers may require you to get pre-approval before incurring costs related to transportation needs, so it’s best to reach out and clarify this beforehand.
Reach out to your insurance agent or the claims adjuster handling your case for specific guidelines that apply to your situation. Good luck, and I hope you enjoy your vacation!