The other insurance company won't pay for a rental car on my liability claim. Don't they have to?
Not in all situations. If you have no other vehicle available, the insurer should cover the cost of a rental as part of your damages from the accident at least until they determine the loss on your car. No insurance statutes exist on this issue.
Yes, they do not have to put new parts on a used vehicle. A company only has to return the vehicle to its condition before the damage.
Yes, as long as the revised estimate properly repairs your vehicle. You need to have your body shop review the revised estimate. If they feel they cannot properly repair your vehicle based on the revised estimate, the repair facility should contact your adjuster.
Yes, if the insurance company is willing to guarantee the work. You always have the option to go to the repair shop of your choice, but you will be responsible for the additional costs. Your insurance company may only be obligated to pay for the lowest estimate.
Contact your local Department of Motor Vehicles in your State. They enforce the financial responsibility (mandatory liability) laws in your State. They will investigate and, if necessary, enforce the statute. Also, if you were injured, you will want to report the loss under your uninsured motorist coverage with your company.
Uninsured motorist coverage applies to bodily injury only. Your uninsured motorist coverage will protect you from hit-and-run drivers. It covers you for injuries sustained while in your car or as a pedestrian when hit by an uninsured driver. It does not cover damage to your vehicle.
Many States do require this, although a few States will allow you to sign a waiver to remove it. You will need to check with your agent to see what your State requires.
Yes, the driving record of any licensed driver in your household will affect the decision of the insurance company to insure your vehicle(s). It can cause you to be turned down for insurance coverage or to pay high risk insurance premiums. You may want to ask your agent or insurer about a driver exclusion endorsement.
Yes, if under the terms of your loan, you agree to provide comprehensive and collision insurance, and you fail to do so. The lending institution can obtain a policy to protect its interest. These policies typically do not offer liability insurance coverage to meet the state's financial responsibility (mandatory liability) laws.