Subject: Issues with Rental Coverage from At-Fault Insurance
I drive a large SUV and was recently involved in an accident where the other party was completely at fault. Their insurance company requested photos of the damage, and I received a call today with their assessment. They informed me that they’ll be sending me a check based on their estimate and will only cover $25 per day for a rental vehicle. Unfortunately, in my area, even the smallest economy car costs around $60 a day. Their offer won’t cover the rental expenses at all. What options do I have? I refuse to accept that my insurance should be responsible for this, as I am not at fault in this situation.
I’m sorry to hear about your situation. It can be really frustrating dealing with the aftermath of an accident, especially when you’re not at fault. Here are some steps you can take:
Negotiate with the Other Party’s Insurance: Contact the insurance adjuster and explain your situation regarding the rental car costs. They may be willing to increase the daily rental allowance, especially if you can provide documentation showing the typical rental rates in your area.
Document Everything: Keep all records related to the accident, including photos of the damage, repair estimates, and rental car prices. This documentation can support your case if you need to negotiate further.
Check Your Own Policy: Even though you are not at fault, your own insurance policy may have provisions for rental reimbursement. Review your policy or contact your agent to see if this is an option for you.
Consider Small Claims Court: If you believe that the compensation being offered is insufficient to cover your expenses, you could potentially take the matter to small claims court. This should be a last resort, and you may want to consult with a legal professional first.
Consult with an Attorney: If negotiations with the insurance company aren’t successful, it could be beneficial to speak with a lawyer who specializes in auto accidents. They can provide guidance on your rights and potential next steps.
File a Complaint: If you continue to feel that the insurance company is not treating you fairly, you can file a complaint with your state’s insurance commissioner or regulatory body.
I hope you can get it resolved quickly!