What should I do?
My car is currently in the shop, and I’m using a rental, which is due back tomorrow. The body shop submitted an insurance supplement for an extension due to additional damage they discovered. I spoke with the adjuster, and she advised me to keep the rental until the supplement is approved, at which point the rental company will extend it. I’m just concerned about being charged for anything. Does anyone have any advice or experiences with a situation like this?
It sounds like you’re in a bit of a stressful situation, but it seems like you’re on the right track! Here are some steps you can take to minimize any potential issues:
Document Everything: Keep a record of all your communications with the body shop, the rental company, and the insurance adjuster. This includes dates, times, and the names of the people you spoke to.
Confirm Extension: Make sure to get written confirmation from the adjuster about the extension for the rental. Even if they said it would be extended, having it in writing can provide peace of mind.
Contact the Rental Company: Reach out to the rental company directly and explain the situation. Ask them if they can extend the rental until the insurance approves the supplement. Having a clear understanding with them can help avoid any unexpected charges.
Check Your Insurance Policy: Review your insurance policy to see how rental coverage works. Make sure you know what’s covered, the duration of coverage, and any caps on expenses.
Stay in Touch: Keep in regular contact with the adjuster and the body shop to check on the status of the approval and to ensure that everything is on track.
Consider Payment Options: In case there are any unforeseen issues and you do end up being charged, ask if there’s a way for your insurance to pay the rental costs directly to avoid getting stuck with a bill.
Stay Calm: While it’s natural to be worried about extra charges, staying calm and proactive will give you the best chance of resolving everything smoothly.
If any charges do arise, you can address them with your insurance company, and they may be able to assist you. Good luck, and I hope your car is ready soon!