Sunday, August 22, 2010

Is the other person insurance company obligated to provide rental car?

I was not guilty of the car accident. I need transportation to go to school and work.Is the other person insurance company obligated to provide rental car?
Have the completed their investigation and accepted liability?





Until they do that- you will have to rent a car at your own expense.





Remember -we can't see the damage to your car. If it is possible for a temp repair to be done to the car to make it safe to drive - you can do that. If the other company accepts liability they will reimburse you. Examples of a temp repair would be pulling the fender off the tire so it does not rub.Is the other person insurance company obligated to provide rental car?
there is no obligation for the 'other' person's insurance company to provide you a rental car. there may be an oblication in your insurer's policy.


however you are entitled to recoup any costs arising out of the other perties actions, assuming they (and their insurer) have admitted liability.





that means that they should refund any legtimate claim you kmay have for renting a car whilst you are deprived of your car by their clients actions. however that does mean that you shouldn't be drivign round in a limo if you car was a (say) a 10 yr old fiesta. however before going out to hire a car I'd recommend that you contact 'their' insurers and state that you hold them liable for the cost of replacement transport until your car is repaired. get them to accept the principle and try to get them to agree what is appropriate. the last thing you should do is incur costs if their insurers refuse to pay the bill.





some car repair centres provide a replacement car whilst the car is being repaired. again you may have to ask for that at the time the car goes into be repaired.





but you cannot use this as a pretext for waht the insurers may deem as unreasonable... ie if you car is drivable they would not agree to paying for car hire, only if the car was undrivable would they do so.
Not necessarily. You may find it is better to go through your own insurance company. Besides, they can better advise and help you
if they're the ones who are guilty of the accident their insurance company should pay for your rental.
Insist on one.





I'd see if your insurance agent can help with getting the other insurance company to cough up for the rental.
If you are fully comp. go through your own insurance company. That is what you pay them for. If they get their money back it will not affect your no claims bonus or premium

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