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Auto Insurance Claims/Questions regaurding claim

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Expert: - 3/25/2009


Question
Was driving a rental car furnished by my insurance co. due to the theft of my vehicle ,while driving the rental was  in a hit and run accident .The other person was at fault. I have 2 different auto policies , and both have full coverage will both polices , pay on a claim or only one? And should  the rental company have any liability protection. It kind of sounds like to me when reading the rental agreement that it does. Any advice?

Answer
Hi Susan,

Only your insurance policy from the stolen vehicle is the one that will be responsible to pay. You can claim against both of your insurance policies. The rental companies liability coverage (if any) is not relevant here because you were not at fault. Your collision coverage will pay for the cost of the repairs to the rental ca less your deductible, which you will pay.


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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