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Question
Mr.Cercone, I was involved in a no-fault accident and my car took almost 2 months to get back from auto shop because of parts that had to be shipped from Japan . The other party's insurance is telling me that they will only pay for 30 days. I have shelled out for car rental out of pocket. Can the insurance co .do this? What should I do ? I had an Lawyer but he says that there is no dollars in it for him so he mailed me the file and said see ya. Tim
Tim,
As long as its the other guys insurance, they owe the rental car for as long as it takes, and as long as the delay was not due to some unreasonable action by you or the shop of your choice, UNLESS your state has some "no fault" law that limits 3rd party claims to 30 days of rental costs. Ask your lawyer, or look at the unfair claim practices laws in your state, or ask the rental car companies that cater to insurers, like Enterprise Rent a Car.
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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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