QuestionI was in rear ended in a car accident a couple of weeks back. I filed a claim with the mans insurace which I then needed a rental car for the days my car was in the shop. All being paid for by his insurace. Last night we got hit with golf ball sized hail and did damage to the car. Now Enterprise wants me to pay the $500 deductable because I did get the "extra" insurance on the rental but I never knew I could with someone else paying. Also I only waved the Collosion and not anything about comprahensive. My insucance agent is tell me NOT to pay them the $500, until we have an estimate. Who's responsible? the agreement says nothing about comprehesive. I wouldn't even have the car if the othre guy hadn't hit me. So anm I just out of luck. I live in Colorado and I know laws are different in each state so I really am clueless, but I don't want to be screw over weither. Thanks Leah Sundvall
Answer Hello Leah,
When you rent a car ... even if it is the result of a not-at-fault accident, you remain responsible for the insurance on that rental. Unfortunately that means either your coverage or the Enterprise "extra" coverage would be responsible. You say you "did get" that extra coverage, but I am going to assume that was a typo. Had you purchased the extra coverage, you would not be responsible for your personal deductible.
Yes, this is a comprehensive claim. Comprehensive and collision are written together, though they can have separate deductible amounts. You would need to check your policy for the details.
Yes, you could wait for an estimate. However if there is any degree of painting (refinishing) involved, I feel pretty certain the damage will exceed $500. The overage would go to your coverage. The $500 would be your responsibility. It appears your agent is advising you to wait until you file. I agree. Only then will you know the extent of your company's obligations, if any.
Yes, you can accept the extra coverage when you rent as a result of a PD claim. You might be required to pay the difference, but if the amount you would pay daily is considerably less than the amount of your deductible, it could be a wise choice.
Hope this helps.
Jane Pytel
http://SolutionsForYourInsuranceClaim.com
http://FloridaAutoInsuranceCentral.com
