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Old 01-22-2017, 10:25 AM   #1
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Reimbursement for Rental Car Reimbursement for Rental Car
Early summer of 2016 I was in an automobile accident where I was not at fault. Stupidly I filled the claim with the 3rd party insurance company and it has been a tremendous pain in my butt ever since.

Repairs to my vehicle took around 3 months. During this time I had to rent a car and pay the upfront costs. I asked and argued with the insurance company multiple times but they stated it was their policy that I pay upfront and they ensured me I would get reimbursed when repairs were complete. I had no choice but to pay for the rental car which cost me a little over $2,500.

The majority of the delays in the repair process was due to the fact that the insurance company being extremely difficult to work with. It got so bad that the body shop manager has stated that he will never ever accept another vehicle insured by the insurance company. However there was a necessary part on national back order that delayed the repairs 3-4 weeks.

Now for the last 3-4 months I have been fighting with the insurance company to reimburse me the money. They are only wanting to give me $1,000. They state that they do not have to reimburse me for the time the part was on back order.

Is it true that they don't have to pay for time the part was on back order? I kept in constant weekly contact with the insurance company and they never mentioned it at the time. The way I look at it is that my truck was undriveable the whole time due to the actions of their driver. I should be entitled to the entire time my vehicle was at the shop.

Does anyone have expertise or suggestions on how I can recover the full amount for the rental car?
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Old 01-25-2017, 04:34 PM   #2
djs
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Reimbursement for Rental Car Re: Reimbursement for Rental Car
Was your car drivable while that part was on backorder?
If not, then they should pay for the replacement vehicle. If it was, then probably not.

Of course, they should have explained this to you. Also, I'm amazed they had you pay for the rental car up front. Most reasonable carriers will pay direct (not all, but 95% of the time).

Dan
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Old 01-26-2017, 04:52 PM   #3
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Reimbursement for Rental Car Re: Reimbursement for Rental Car
I am not a lawyer so take this advice with a grain of salt but I would get my documents together ( print out emails and find all the documents they sent to you) and take them to small claims. If they continue to fight with you, then there is a good chance they won't pay without some "motivation".

You might also want to get a letter from the auto body shop as well.
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Old 01-26-2017, 04:58 PM   #4
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Reimbursement for Rental Car Re: Reimbursement for Rental Car
Originally Posted by mattupthehill View Post
I am not a lawyer so take this advice with a grain of salt but I would get my documents together ( print out emails and find all the documents they sent to you) and take them to small claims. If they continue to fight with you, then there is a good chance they won't pay without some "motivation".

You might also want to get a letter from the auto body shop as well.
Actually you would sue their insured, as that is who is liable. And that should get the insurance company's attention in a hurry.

I'll add, I once had a similar incident with an insurance company where the other driver was at fault. They were going to pay the rental car company directly. I wanted something halfway comparable to what I was driving. The guy at the rental company said the wouldn't pay for a car that expensive. I told him it wasn't my problem, and I wasn't paying the difference. I admit I don't remember all the details, but I got the car I asked for and never saw a bill. I guess the adjuster relented and paid for it or the rental car company ate it.

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You can pay the premium or you can own the loss.
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Old 01-26-2017, 05:29 PM   #5
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Reimbursement for Rental Car Re: Reimbursement for Rental Car
Originally Posted by VolAgent View Post
Actually you would sue their insured, as that is who is liable. And that should get the insurance company's attention in a hurry.

I'll add, I once had a similar incident with an insurance company where the other driver was at fault. They were going to pay the rental car company directly. I wanted something halfway comparable to what I was driving. The guy at the rental company said the wouldn't pay for a car that expensive. I told him it wasn't my problem, and I wasn't paying the difference. I admit I don't remember all the details, but I got the car I asked for and never saw a bill. I guess the adjuster relented and paid for it or the rental car company ate it.
Yes the insured not the company. Thanks. Rental car coverage seems to always be an issue ( that an trying to get OEM parts for your car)
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Old 01-27-2017, 12:23 AM   #6
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Reimbursement for Rental Car Re: Reimbursement for Rental Car
Originally Posted by mattupthehill View Post
Yes the insured not the company. Thanks. Rental car coverage seems to always be an issue ( that an trying to get OEM parts for your car)
Getting OEM parts is easy, just add the OEM parts coverage to your policy. If you pay the additional premium, you'll get the OEM parts.


Dan
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Old 02-06-2017, 07:12 AM   #7
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Reimbursement for Rental Car Re: Reimbursement for Rental Car
Did your policy covered rental car coverage?

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Shawn Camp Insurance Agency, Inc.
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