Accident Help

[nicks67camaro]

I can speak about the rental. Your policy may cover a flat amount a day. IE: $30/day for a max amount of days usually 30 (some times extended). Again this is a FLAT amount so if you don't want any or minimal out of pocket (if the drivers insurance can't be persued) make sure the rental + taxes are under your allowed amount. THe company I used to work for had cars at an insurance replacment rate of 19.99/day. Most retal car companies have direct billing but your insurance may work on reimbursment. If the person does in fact have insurance you rental can be switched to the other persons policy/claim again billing directly depends on the insurance company, but in this case they will cover Cost of rental + taxes with no max (as long as your car is still under verifiable repair). Please remember the rental car is in your hands if it is damadged the rental car company will file a claim against you and your insurance. (they are covered)As for the "rental car coverage" its your choice but 99% of insurance companies don't cover the rental car company's extra insurance. walk around the rental car note all pre-existing damage. keep all copies and keep in touch with them to get updates on your rental. Many people are surprised when they come to return and there is no billing/claim set up. If you have specific questions feel free to PM me.
Nick