Auto Insurance Claims/hit and run

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Expert: - 2/24/2009


Question
my truck was hit by a rental car. The rental car's insurance co says the are not covering the damage because I can't prove that the person who rented the car was driving it...  How does this work?  Don't they need to cover there car being on the road? No matter who is driving it?
It has taken week of calling and leaving messages to find out the say they don't have to pay for my truck. It is totaled

Answer
Hi Even,

Based on your explanation, it sounds like you don't know who was driving the rental car. Was this a hit & run? Did you exchange info with the other driver? Did you call the police?

Unfortunately there are too many unanswered questions for me to be of any help. If you have collision coverage on your truck you should make a claim on your own insurance and let them fight it out with the rental company.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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