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Auto Insurance Claims/Total Loss Accident in CA
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Question
My car was totaled after a driver attempted to pass me on a wet road and loss control. CHP report states that he was totally at fault in violation of driving too fast for conditions. I do have full coverage, but I do not have rental car coverage. I have a second car, but if is not economical to drive. A rental a car cost $250 a week. Should the other insurance company (Farmers)pay for the rental bill or do I? I have attempted to talk to Farmers, but they have not returned my calls in over a week. Can I also just charge them for the time I have been without my car while driving my second car? Thank you
Don,
You have to "incur" the rental car expense in order to get reimbursed by Farmers. This is one reason they are ignoring you, to pressure you into using your other vehicle so you don't "incur" a bill. You can get detailed information on how to get around this as well as information on maximizing your auto total loss valuation in the eBook "Total Loss Auto for Claimants" at UClaim.com, currently on sale for around $12.00 and with a money back guarantee.
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Answers by Expert:
Ron Cercone
Expertise
How to handle automobile total loss claims. I am the president of UClaim.com, which sells 29 different eBooks I have written on how to maximize various types of auto, home and business claims and how to get coverage on denied claims. You may view their tables of contents online. Also available are very specialized eBooks such as on EUO (Examination Under Oath) for example. Also available is an assortment of policy forms used by the most popular insurers. The eBooks have a money back guarantee and currently include personal consultation with Ron Cercone.
Experience
I have been adjusting insurance claims since 1980. 1980 to 1995 adjusting for many insurers (6 years as an independent adjuster with my own company). Currently working as a public adjuster in California, since 1995. I'm one of the few public adjusters who has handled automobile damage and total loss claims.
Organizations
CAPIA (California Association of Public Adjusters).
Education/Credentials
BA 1975 in History and Industrial Arts. Full CV at UClaim.com .
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