What can I do if Enterprise Rental is denying my liability insurance claim?
A couple of months ago, I was involved in a hit-and-run accident on the freeway in California. The other driver was clearly at fault, leaving my car significantly damaged in the front, with paint transfer from their vehicle. I collected all the necessary details, including the license plate number, make, model, and color of the car, and filed a police report and insurance claim the next day. Unfortunately, I don’t have collision coverage, so my insurance could only reach out to the other party’s liability insurer for follow-up.
It turns out the vehicle involved was a rental from Enterprise. Recently, Enterprise contacted me to gather more information and hear my account of the incident. However, they subsequently sent an email stating: “After a thorough investigation of the facts, we do not believe the operator is legally liable for the damages claimed. The renter reported no accident during the rental period, and upon return and inspection of the vehicle, no damages were noted. There is no evidence demonstrating that our renter struck your vehicle. Therefore, we regret to inform you that your claim is denied.”
What options do I have moving forward? Any advice would be appreciated. 🙁
I’m sorry to hear about your situation. It can be frustrating when you’re dealing with a hit-and-run and insurance claims. Here are some steps you might consider taking:
Gather Evidence: Collect all available evidence related to the incident. This includes the police report, photographs of your car’s damage, and any witness statements or contact information from people who might have seen the accident.
Contact Your Insurance Company: While you mentioned you don’t have collision insurance, it’s still worth discussing the situation with your insurance agent. They might have additional options or advice on how to proceed, and they may be able to assist you in fighting the denial.
Review Rental Agreement: Check if the renter had proper insurance through Enterprise and what responsibilities they had under the rental agreement. Sometimes rental cars are covered under specific insurance policies that can be pursued.
Request Documentation: Ask Enterprise for any documented evidence they used to support their claim denial. This might include the inspection report of the rental vehicle after it was returned or any statements provided by the renter.
File a Complaint: If you believe Enterprise is acting in bad faith, consider filing a complaint with your state’s Department of Insurance. This can sometimes prompt a review of the claim and lead to a resolution.
Consider a Legal Consultation: If the damage costs are substantial, it might be wise to consult an attorney who specializes in automobile accidents or insurance claims. They can provide legal advice tailored to your situation and help you understand your options for pursuing compensation.
Small Claims Court: If the damages are within the limits for small claims court in your state, you could consider filing a claim there. You’ll need to present evidence and explain why you believe Enterprise should be liable.
Seek Witness Testimonies: If there were any witnesses to the incident, their testimonies could help bolster your claim. Reach out to them to see if they’re willing to provide written statements or even testify if needed.
It’s essential to keep detailed records of all interactions and communications you have regarding this incident. Good luck, and I hope you’re able to get this resolved!