I have $300,000 bodily injury and $100,000 property damage coverage and under/uninsured of $100,000 per person / $300,000 per accident.
Welp, Progressive just called again at 2:30PM and said that I need to return the rental by 5pm today (I work 12hr day shifts Fri-Sat-Sun and they won't cover the weekend). They say they will no longer be covering the rental due to the claim being moved to my insurance. So getting to work is going to get very interesting.
Trying to get this sorted now. I contacted my insurance and they told me that Progressive should be covering the rental until my car is out of the shop due to their client being the cause of the loss of use of my vehicle. My insurance is now calling Progressive and will call me back.
Insurance companies prefer to try and bully the consumer. That's why they didn't call your insurance company first.
State Farm called me and said that Progressive has met their liability of $5,000 and is not required to cover the rental for me, despite their client being the cause of the loss of use of my own vehicle. I don't have rental coverage through State Farm but they offered me a discounted rate. I declined and am borrowing a family members vehicle for the interim.
Does Enterprise have YOUR credit card information? If no, just turn it in Monday.
Yes, part of the paperwork was agreeing to a hold on my CC and waiving their rental insurance. No hold, no rental. I am a bit annoyed because I had just filled it up last night expecting to have it for several weeks. The rental guy said returning it around half full was fine as that's how they gave it to me.
I'd keep it. 99% chance Progressive will let it slide. It's close to end of business day. Whoops. Too much traffic to get there before closing.
determining speed without skid marks seems improbable.
My proposal is mandatory impound at the scene of uninsured vehicles. Then sell them to partially cover damages. Also, this should trump the loan on the car; the banks can require and force place liability insurance as well as just comp & collision.
it's generally better, at least in these parts, to deal with your own insurance on the property damage, and let them deal with the other company. (OK, at least if you have a real company, rather than one of the flakes)
Actually Glen, don't feel too out of it. After my military time, I did do a stint as an auto damage appraisor, not for insurance companies, but for auto leasing companies, and some major auto manufacturers. At one time I thought about going into the insurance end of things and even got my South Carolina auto insurance appraisors license. Many, many moons ago (25+ years). But, I have to admit I only made a guess based on how expensive things have gotten today.
The longer this goes on the more the estimate increases. I think in the end it's going to be closer to my $10,000.
It's past $5,000 but it seems like they've found all the damage there is to find, but the initial estimate was definitely optimistic.
New estimate from my insurance... just under $5k. The repair date was pushed back to July 3rd as well (I was struck on May 21st). If accurate, it will be in the shop for an equal amount of time as I've had to drive it.
