I have terrible luck lately. Two weeks ago I totaled my car (my fault) and I have a rental until tomorrow. Rental is from enterprise and paid for thru my car insurance. On my rental agreement I did not list any other drivers, and since it was paid for by my car insurance the guy crossed out the extra insurance and just asked me how much my car insurance deductible is and wrote that down($250). Today, I looked at the agreement and I actually hadn’t signed it when I rented the car (even though there is a place for me to sign)…hmm…(?)
SO, last night I was drinking and my boyfriend was not so he drove us home- in my rental. A car hit the rear driver side of us and it caused a dent and some paint damage. Called the cops, the other driver lied and nobody cited. I DO NOT want my insurance to know, since I just totaled my car. Boyfriend has full coverage, can it go on his? or will it go on mine? Can we just pay for it in cash & not use insurance? Its minor, fix before I turn it back in ?
By car insurance | 2 Comments
RSS feed for comments on this post. TrackBack URL
April 30, 2010 @ 8:36 am
IF THE RENTAL CAR WAS USED BY YOUR LICENSE AND /OR IN YOUR NAME ..YES IT WILL
April 30, 2010 @ 8:47 am
OK, first of all, no one here has read your particular policy. HOWEVER, if you have collision on your policy, the standard policy will “carry over” your coverages – including collision – while your car is in the shop (it’s a temporary, substitute vehicle). The QUESTION is, is your policy a standard policy. So, if it is, your policy will cover it, subject to your deductible – then it’s another claim.
If boyfriend’s car was not in the shop, ie, if this was NOT a substitute vehicle, but an additional vehicle, then no, his insurance (on a standard policy) will NOT carry over to this rental.
There is a chance that your policy won’t cover it. You could ALWAYS pay cash . . . but you’ll be paying not only the cost to repair, but likely three days of rental at full price (figure, $75 a day), while the car is in the shop and they can’t rent it out.
BTW, nobody HAS to be cited in order for fault to be assigned – the adjuster decides that, NOT the police.