How to Get Insurance to Pay Longer for Car Rental
How to get insurance to pay longer for car rental depends on whose insurance pays. Your own auto insurance policy dictates either how long it will pay for car rental or how much it will pay. You have more recourse if it says how much it will pay. You have much more leeway if the responsible party's insurance pays. It pays for your car rental out of property damage liability insurance, which is one pool of money you can tap for all your accident-related car expenses.
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Instructions
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Demand that any adjuster who causes delays pay longer for your car rental. If the adjuster refuses, ask to speak with his supervisor. Adjusters can delay getting to your shop, authorizing repairs or making an offer on your total loss.
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Get a cheaper rental, if your insurance policy stipulates only how much it will pay. For example, assume your insurance policy will pay a maximum of $1,000 for your car rental, at a maximum of $50 per day. Stretch this type of car rental coverage out by renting a car for less than $50 per day.
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Insist you need car rental until the responsible party's insurance makes you an offer on your total loss or until your shop finishes your repairs. This can take months sometimes if rare parts get back ordered.
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Tips & Warnings
Most car rental companies have negotiated low rates with most car insurance companies, starting at $20 per day.
Take the responsible party to small claims court for car rental expenses that her insurance declines to pay you.
If the responsible party doesn't have enough property damage liability insurance to pay for all the damage from the accident then it won't pay for your car rental.
References
- Photo Credit Crash on the street. German auto model 2007. image by Dariusz Kopestynski from Fotolia.com
