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Insurance company wants money for Rental car. #4511311
09/09/17 05:39 AM
09/09/17 05:39 AM
Joined: Jan 2006
Posts: 992
Md, USA
montero1 Offline OP
montero1  Offline OP
Joined: Jan 2006
Posts: 992
Md, USA
My nephews car was hit while he was at work, the person that hit it left a note, and gave his insurance info later on.

He drops the car off at a BWW dealer, so they can assess the damage- it needed a rear bumper cover, and some work underneath.

He gets a rental car the day he drops the car off, and keeps the car until it's repaired, 9 days later (parts had to be ordered). The other parties insurance (USAA), is telling him that he owes for 6 days for the rental car. They said because he chose to take the car to the place of his choice, he should have waited until the parts were in before getting the rental.

Was he supposed to have the dealer put the old parts back on until the new parts arrived? Maybe drive around with no bumper?

He got his car back, and hasn't paid anything so far. I guess in time they would send a collection notice? He called his insurance (Aetna) to see how to deal with this, they basically told him to get lost, not their issue.......


'07 Z4 3.0 SI
'08 GL1800
'10 Jeep Rubicon
'10 Corvette
'13 V-Star 1300 Deluxe (Hers)
'13 VFR1200F
'16 Harley Electra Glide Limited
'18 GMC Canyon Denali (Hers)
Re: Insurance company wants money for Rental car. [Re: montero1] #4511315
09/09/17 05:55 AM
09/09/17 05:55 AM
Joined: Dec 2011
Posts: 4,752
North Carolina
rooflessVW Online content
rooflessVW  Online Content
Joined: Dec 2011
Posts: 4,752
North Carolina
Sounds like he needs to ditch his insurance company. He should have called them when the accident occurred and had THEM contact the other party's insurance company. After all, that's his premiums are for.

Now they're telling him to get lost? I would pay for the rental (take the hit, cut his loss) and drop Aetna like a bad habit.


"Zed's dead baby, Zed's dead."
Re: Insurance company wants money for Rental car. [Re: montero1] #4511318
09/09/17 06:03 AM
09/09/17 06:03 AM
Joined: Feb 2013
Posts: 1,047
Prospect, KY
spk2000 Offline
spk2000  Offline
Joined: Feb 2013
Posts: 1,047
Prospect, KY
Now that he called them they will likely log it as a claim even thought they did noting for him. My insurance company did that to me when all I did was ask and they said deal direct with their insurance since I didn't have full coverage.


96 Grand Marquis
01 Sable LS
02 Montero
Re: Insurance company wants money for Rental car. [Re: montero1] #4511323
09/09/17 06:11 AM
09/09/17 06:11 AM
Joined: Jul 2009
Posts: 599
texas
danez_yoda Offline
danez_yoda  Offline
Joined: Jul 2009
Posts: 599
texas
They like to do that [censored] to sell more rental car time. If his car was drive-able, they could have buttoned up plastic bumper cover and bent bumper pieces well enough for him to use the car while the ordered pieces came in.

Now if the damage to the bumper was substantial enough that a second rear end could cause a safety hazard (excessive crumple, rear passanger danger) then that would be different. I have been rear ended twice and both times the rear bumper cover was crumpled but the real bumper (ugly massive hunk of steel) was dented but otherwise fine. They wanted to keep my truck for a week while I drive around in a tiny compact, NOPE. Order the parts, one day to replace, I get a truck.

The second time I just got the check and replaced the parts myself and pocketed about $500 for my labor costs. It took about an hour. smile

Re: Insurance company wants money for Rental car. [Re: montero1] #4511325
09/09/17 06:16 AM
09/09/17 06:16 AM
Joined: Sep 2013
Posts: 10,453
Indiana
dlundblad Offline
dlundblad  Offline
Joined: Sep 2013
Posts: 10,453
Indiana
Unless I am missing something, I just don't see it.

When he took it to the dealer, they assessed the damage. How long did that take? I am assuming he couldn't have WAITED like the insurance company is insinuating.

There's at least another day he should have been entitled to the rental, right?


03 Jeep WJ 4.0 200k Castrol Edge 10w40 HM Fram XG16
02 Volvo S60 2.4T 177k M1 0w40 Mahle OX149D
97 Chevy Blazer 4.3 149k Rotella T5 10w30 Supertech ST3980

Re: Insurance company wants money for Rental car. [Re: montero1] #4511331
09/09/17 06:28 AM
09/09/17 06:28 AM
Joined: Jul 2005
Posts: 30,440
NY
demarpaint Offline
demarpaint  Offline
Joined: Jul 2005
Posts: 30,440
NY
Insurance companies suck! He might just be out the money. OTOH if the body shop did not inform him the parts were going to take several days to come in he might be able to take the issue up with them. Good luck.


God Bless Our Troops

Re: Insurance company wants money for Rental car. [Re: montero1] #4511332
09/09/17 06:37 AM
09/09/17 06:37 AM
Joined: Jun 2003
Posts: 33,100
ME
eljefino Online content
eljefino  Online Content
Joined: Jun 2003
Posts: 33,100
ME
He needs to have the body shop attest that the car was not safe to drive with the bumper in its condition.

Whatever he does, he shouldn't pay for the rental out of his own pocket, with hopes of reimbursement. Let them all sort it out.

USAA shouldn't insure losers who hit things that take 9 days to repair, or, if they do, they should get their pound of flesh back in $$$ with premium hikes.

Re: Insurance company wants money for Rental car. [Re: montero1] #4511349
09/09/17 07:14 AM
09/09/17 07:14 AM
Joined: Oct 2011
Posts: 5,091
USA
NHGUY Offline
NHGUY  Offline
Joined: Oct 2011
Posts: 5,091
USA
Aetna,I'm glad I met ya. Not.

Re: Insurance company wants money for Rental car. [Re: montero1] #4511362
09/09/17 07:42 AM
09/09/17 07:42 AM
Joined: Jan 2007
Posts: 2,531
Oneida County, NY
rsylvstr Offline
rsylvstr  Offline
Joined: Jan 2007
Posts: 2,531
Oneida County, NY
Does he have an agent? Call them.


2013 F150 SCrew Lariat 4X4 5.0 3.55
2012 Altima SL that still vibrates.
2018 Polaris Sportsman 850 SP. Polaris fluids and filter.
Re: Insurance company wants money for Rental car. [Re: montero1] #4511365
09/09/17 07:44 AM
09/09/17 07:44 AM
Joined: Jan 2017
Posts: 174
Michigan
64bawagon Offline
64bawagon  Offline
Joined: Jan 2017
Posts: 174
Michigan
Very few shops will order parts without physically having the vehicle in the shop. In todays society many people do not do what they say they will. Sending parts back because the customer didn't show back up is expensive and time consuming and not very profitable.
Insurance companies realize this, its just their sneaky way of trying to pay less.
I trust insurance people as much as I trust a leisure suit wearing politician.


05 Duramax Chevy(SOLD), 64 Chevy wagon, 10 Jeep Wrangler, 17 Equinox (rental), 18 Silverado 1/2 ton
Re: Insurance company wants money for Rental car. [Re: rsylvstr] #4511387
09/09/17 08:31 AM
09/09/17 08:31 AM
Joined: Oct 2005
Posts: 7,094
Colorado
Kuato Offline
Kuato  Offline
Joined: Oct 2005
Posts: 7,094
Colorado
Originally Posted By: rsylvstr
Does he have an agent? Call them.


THIS. He should enlist the help of his own insurance company...it is what he pays them for.


Thick vs Thin test: 15k / 43k miles complete
Re: Insurance company wants money for Rental car. [Re: montero1] #4511424
09/09/17 09:47 AM
09/09/17 09:47 AM
Joined: Feb 2013
Posts: 10,704
Phoenix, AZ
Nick1994 Offline
Nick1994  Offline
Joined: Feb 2013
Posts: 10,704
Phoenix, AZ
He should have had his own insurance cover the repair costs, then they bill the other guys insurance.

That's what I did when I got rear-ended last April. I took my car into the body shop about 2 hours after the accident and Hertz came and picked me up and I got my rental car. I had to pay 20% but was reimbursed. They then billed the other persons insurance, made things so much easier.


2015 Hyundai Sonata 2.4L 84k Mobil 1 AFE 0w30 & OEM
2000 Toyota Camry 2.2L 230k Valvoline 5w30 & Fram Ultra
1996 Jeep Cherokee 4.0L 147k Mobil 1 HM 10w40 & Fram Ultra
Re: Insurance company wants money for Rental car. [Re: Nick1994] #4511435
09/09/17 10:04 AM
09/09/17 10:04 AM
Joined: Oct 2005
Posts: 7,094
Colorado
Kuato Offline
Kuato  Offline
Joined: Oct 2005
Posts: 7,094
Colorado
Originally Posted By: Nick1994
He should have had his own insurance cover the repair costs, then they bill the other guys insurance.

That's what I did when I got rear-ended last April. I took my car into the body shop about 2 hours after the accident and Hertz came and picked me up and I got my rental car. I had to pay 20% but was reimbursed. They then billed the other persons insurance, made things so much easier.


That can work out really well.


Thick vs Thin test: 15k / 43k miles complete
Re: Insurance company wants money for Rental car. [Re: Nick1994] #4511457
09/09/17 10:43 AM
09/09/17 10:43 AM
Joined: Jul 2005
Posts: 30,440
NY
demarpaint Offline
demarpaint  Offline
Joined: Jul 2005
Posts: 30,440
NY
Originally Posted By: Nick1994
He should have had his own insurance cover the repair costs, then they bill the other guys insurance.

That's what I did when I got rear-ended last April. I took my car into the body shop about 2 hours after the accident and Hertz came and picked me up and I got my rental car. I had to pay 20% but was reimbursed. They then billed the other persons insurance, made things so much easier.


Smart move. I did that once, All State was trying to bully me into being partially at fault for an accident where it was clear I wasn't at fault at all. I told them to shove it and deal with my insurance company. My insurance company paid everything, and then went after All State for the deductible. After it went to binding arbitration I was found to be 0% at fault, and got the deductible back, in full. Remember insurance companies only want to collect premiums, never pay out.


God Bless Our Troops

Re: Insurance company wants money for Rental car. [Re: montero1] #4511501
09/09/17 11:57 AM
09/09/17 11:57 AM
Joined: Jun 2005
Posts: 11,330
Santa Barbara, CA
bdcardinal Offline
bdcardinal  Offline
Joined: Jun 2005
Posts: 11,330
Santa Barbara, CA
What is with people having insurance that does not cover the basics? Anytime I have had to deal with a collision, I drop my car off at the body shop (my preferred one is a AAA approved facility) then I walk the half a block to Enterprise and pick whatever car I want. Now with my car, all the parts that are normally a week out magically show up overnight, but still a rental has never been an issue.

A person should not have to drive around with a car with body damage while waiting for parts. There is more damage that could happen.


2014 Ford Mustang GT Track Pack
1995 Ford Mustang GT

Ford/Mazda Parts Counter
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Opinions expressed are my own.
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