Auto Insurance Claims/Who pays


My husband and I went to Florida. A friend came to Florida who had a rental SUV. We rode in his SUV, hit a bear, no one was hurt. I went to the medical center two days after for a mild concussion  and had a cat scan etc. I am receiving bills from the medical center (over $10,000) and no one wants to pay. Not his insurance company nor mine and I can't sue the bear. We live in Illinois along with our friend. Love to hear what I should do.


First, I am not an attorney.  So, in an attempt to assist, I will only be able to give my opinion as an experienced claims professional.

Since the accident occurred in Florida, Florida Financial Responsibility Laws Govern the use of motor vehicles as it relates to accidents.  It would be the rental car company's insurance you need to get.  I would suggest getting proper contact information for the rental place and seeking the insurance info.  If there was a police report, that would be helpful, if not, it just means you'll have to provide the accident details to the carrier for the rental.  Make sense?  If they refuse to make payment, request a written denial, and if they refuse a written denial, make a written followup yourself that details what was said, so you have the record anyway.

Does that help?  

Auto Insurance Claims

All Answers

Answers by Expert:

Ask Experts


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.

©2017 All rights reserved.

[an error occurred while processing this directive]