Issues with Rental Coverage Due to Fault
I drive a large SUV, and I was recently involved in an accident where the other party was completely at fault. Their insurance company requested that I send in photos of the damage and provided me with an estimate today. They informed me that they will be sending a check for the estimated amount and will only cover $25 a day for a rental vehicle. However, in my area, even the smallest economy car costs around $60 a day, so their offer won’t come close to covering my rental needs. What are my options? I feel that I shouldn’t have to involve my insurance at all since I am not at fault in this situation.
I’m sorry to hear about your situation. It’s understandably frustrating when the compensation doesn’t cover your needs. Here are some steps you can take:
Review the Insurance Policy: Check the other party’s insurance policy for details on their rental car coverage. Some policies may have higher limits or specific guidelines that could benefit you.
Negotiate with the Insurance Company: Contact the at-fault party’s insurance and explain your situation. Provide them with evidence of rental costs in your area, and advocate for a higher daily rental allowance based on your SUV’s needs.
Document Everything: Keep a record of all communications with the insurance company, including dates, names of representatives, and any offers made. Take photos of the damage for your records.
Consider Filing a Claim with Your Own Insurance: If the other insurance company won’t cover your rental costs satisfactorily, you might consider filing a claim with your own insurance under your uninsured motorist coverage if applicable.
Consult with an Attorney: If negotiations aren’t yielding results, it may be helpful to consult with a personal injury attorney who specializes in auto accidents. They can offer advice and may help you get the compensation you deserve.
Look into Rental Car Assistance: Some rental car companies offer discounts or assistance programs that might help you secure a vehicle at a more affordable rate.
File a Complaint: If the other party’s insurance company is being uncooperative, you can file a complaint with your state’s insurance department.
Remember, it’s important to be persistent in advocating for your rights. Good luck!