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Auto Insurance Claims/Car Rental Accident



I was involved in a car accident in which a rental car hit me on my rear bumper, it was his fault for trying to speed on the yellow light (I took photos after the accident). I police did not write a report and just told us to exchange insurance and driver license, I took photos (no one was injured). The driver keep telling me to take the car to his friends shop and not deal with insurance, I didn't do that. When I return home, I notice that his insurance was one day expired.

I called the insurance company to filled a claim, gave them the VIN, license, and plate number and told them It was a rental car. They gave me a confirmation number. It has been like a month now and I have not seen any updates on the claim, i am starting to think that i have to fixed my own car. I totally forgot to get his insurance from the rental car. now I don't know what to do since his main insurance was 1 day expired. what should I do now?

If the other party didn't have insurance, then it is possible that the rental car company would have a secondary policy that will pay, but you would have to have all that information already in order to file a claim.  If you don't have any of the information required to get a claim filed, it's gonna be hard to get it now.  

Your situation is frustrating, and dealing with insurance and rental car companies is a pain.  I wish I had better news or some magic advice that would help you get the case resolved without any expense to you, but I don't.  If you have your own collision insurance or uninsured motorist coverage, use your insurance and let them try to recover the money.  Even if you are able to find insurance information on the rental car, they will likely argue it was not his fault.  It is not illegal to go through a yellow light.  If the insurance is not responding to you, you need to research / call and get an address or fax number and send a written request for status to them, if they still don't respond, then you need to contact the driver that was at fault and pursue recovery directly from him.  

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Justin Petty


Challenge me! I promise that I will provide you with the most honest answer I can muster, and I will base it on nearly 20 years of complex claims experience. My strength is shooting it straight and seeing through BS. I do not bluff and I can tell when somebody is. I've handled claims in almost every State in the U.S. and adjusted claims and consulted attorneys and CEO's on recovery and special claims tactics for over a decade. I am the founder and President of Petty Details, LLC. We provide the highest quality claim services to insurance companies, attorneys and individuals all exactly in the same way, by paying attention to the details and doing the right thing.


Nearly 20 years of combined claim company management, litigation, all lines adjusting, claim auditing, damage assessment, subrogation, small claims, tort recovery, collection, skip-tracing, tactical investigations, and contribution claim recovery experience across the United States of America.

NASP (National Association of Subrogation Professionals) (Auto Insurance Expert) Diminished Value Appraisers Group (LinkedIn)

10 years experience in writing and developing technical claims correspondence for litigation and unique scenarios at insurance companies and as a consultant to attorneys assisting with legal briefs and research. 42 published articles relating to auto insurance and claims. Self Published e-books entitled "How Much is My Injury Worth" and "Diminished Value - How Do I Get Paid?".

School of hard knocks, 3 years college, NO DEGREE, years of real world experience running a claims service company and adjusting claims for carriers. Speaks English and Spanish, Limited Portuguese & Italian.

Awards and Honors
Platinum Author ( All Lines Adjuster (TX, 1998 - 2008) TX Public Adjuster (2009 - 2011)

Past/Present Clients
State Farm Insurance, Endeavor GA, MileMeter Ins., American Recreational Markets, Gainsco Ins. Co., Safeway Ins., Home State County Mutual Insurance, Old American County Mutual Insurance, FCCI, Farm Bureau, Liberty Mutual, and Pronto General Agency, LTD just to name a few! On top of insurance companies and attorneys, I have personally helped thousands of accident victims with the difficult and stressful process of navigating their claim to a successful resolution.

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