Auto Insurance claims run around

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PostPosted: Fri Nov 02, 2007 3:16 am   Post subject: Auto Insurance claims run around  

I was involved in accident Oct 8 '07 - other driver's fault, police gave him ticket not me. My car totaled. Have to rely on family for commute to work. Driver at fault insurance will only offer me rental car for 7 days. No progress towards settlement after contacting my and other driver's insurance company.


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anonymous RG
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PostPosted: Fri Nov 02, 2007 3:21 am   Post subject: PS  

Not mentioned previously - accident occurred in Georgia


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PostPosted: Fri Nov 02, 2007 7:02 am   Post subject: Welcome!  

Hi there..the support in the form of a rental car is understandable. But why is that for only 7 days ? I think its got to do with all those days that you would be using a rented car. Did they specify any reason for this offer!

Thanks, Fatman

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PostPosted: Fri Nov 02, 2007 9:17 am   Post subject: some Qs  

Tell me some thing.. did you get injured during the accident ? Did you cover details of the aftermath with your cam ? -Stella McVeigh


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PostPosted: Fri Nov 02, 2007 1:44 pm   Post subject:   

Hello anonymous RG and welcome!

Some things aren't making sense to me...

Quote:
I was involved in accident Oct 8 '07 - other driver's fault, police gave him ticket not me. My car totaled.
Who told you your vehicle was totaled? Did they make an offer of settlement for the total? If so most companies will only provide a rental for a set period of time once an ''offer'' (not agreement but OFFER) has been made, company I work for (all in this state I think) 72 hours after OFFER of settlement.
Quote:
Have to rely on family for commute to work. Driver at fault insurance will only offer me rental car for 7 days.
Again, seven days from what?
Quote:
No progress towards settlement after contacting my and other driver's insurance company.
When was the claim turned in? When were you contacted by other drivers carrier? When did they accept liablity for this accident? When was your vehicle deemed a total? What offers if any have been made? Please provide some more details for us and I'm sure we will be able to assist you.
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PostPosted: Wed Nov 14, 2007 11:21 am   Post subject: Ummmmmmmm?  

I think i am?


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PostPosted: Mon Nov 19, 2007 7:43 am   Post subject:   

The timetable is very important, in most cases the insurance company is only going to give you a rental check for the time it takes to repair the vehicle. If you have $500 in rear damage where it is a bumper replacement and they find out about the loss 3 weeks later, they are not going to cut you a check for a 3 week rental plus repair, they are going to cut you a check for the repair time only since the vehicle is driveable and it took so long to get fixed. In this situation, if your car is driveable, they are not going to give you loss of use time but if the car is not driveable and it takes more than 7 days to repair and the claim was made in a timely manner than your rental should definetly be longer.

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PostPosted: Mon Nov 19, 2007 10:44 am   Post subject:   

CVClaims, I agree with your post 'in general' except in your example of the 500 bumper repair...

Quote:
cut you a check for the repair time only


Rental, would be paid while the vehicle is in the shop and under repair.



I don't think you read the OP clearly....
Quote:
but if the car is not driveable and it takes more than 7 days to repair and the claim was made in a timely manner than your rental should definetly be longer.




He said his vehicle is TOTALED not REPAIRING, totaled..



Quote:
My car totaled.
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PostPosted: Mon Nov 19, 2007 5:29 pm   Post subject:   

So on a total they are paying him probably on the down time so far plus only a couple more days to go buy a new car. Typically once the check is in the hand the rental period is over and unfortunately they expect you to buy a car literally within 24 hours.

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PostPosted: Tue Nov 20, 2007 12:16 am   Post subject:   

No,

Quote:
they expect you to buy a car literally within 24 hours.


literally in about 72 hours though, with the company I work for. It might interest you to know, that my state (MO) as well as many others do not REQUIRE an insurer to pay for or provide a rental vehicle at all! From the Missouri Dept of Insurance webpage:
Quote:
The other insurance company won't pay for a rental car on my liability claim. Don't they have to?

Not in all situations. If you have no other vehicle available, the insurer should cover the cost of a rental as part of your damages from the accident at least until they determine the loss on your car. No insurance statutes exist on this issue...




At the company I work for, typcially (lets say claimant in this case-therefore property damage claim), and further assume there is no dispute in liablity it is clear cut and we are going to accept liability within 24 hours or so of the claim being reported. The claimant vehicle is non-driveable, clmt is put in a rental immediately upon acceptance of liablity, vehicle is inspected within a day or so and deemed a total loss. Clmt is advised of same. Once an OFFER of settlement is made, not an ACCEPTANCE an offer then we will pay an additional 72hours rental vehicle past this time. Now, there are times, if there's a weekend or something we will extend it, or extinuating circumstances.



You have to understand no company can just keep a person in a rental while they go about their shopping....That could take weeks!
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