If you were involved in a wreck that was not your fault, the other driver and his insurance company are responsible for the damage to your vehicle. If your vehicle is not totaled, you are entitled to recover the vehicle’s repair costs. In addition, that insurance company must pay for any rental fees incurred while your car was out of service.
The first step is to decide what insurance you should use. If you have car rental insurance or collision coverage on your own insurance, use it. It will save you so much time and effort. Your insurance company has a duty to treat you fairly while other driver’s insurance company does not.
Insurance companies are great at accepting payments but not so quick to pay them and often delay things as long as possible. Here are some pointers that might help.
- Gather evidence: Get a copy of the police report and any pictures of the accident that you might have to the insurance adjuster.
- Establish “liability”: Get the insurance company to make a decision on who caused the accident. Once they accept liability, they tend to act much more quickly.
- Protect your recorded statement: Sometimes the insurance company will try to trick you into giving a statement about the accident or your injuries. Limit what you say. Focus on the damages to your car.
- Be persistent: Insurance adjusters often need to be reminded to stay on task. Sometimes, it is effective to call two or even three times a day to keep your case relevant for them.
- File a complaint: If your insurance adjuster is being unfair or is late in making a payment, you can file a complaint online with the Texas Department of Insurance.
Once you get the rental car, do the best to get your car repaired or replaced as quickly as possible. You should have a rental car between 2 to 4 weeks. So you have to act quickly. The last thing you want is for the insurance company to pull your rental before you have established reliable transportation. Insurance companies know that people will often settle for pennies on the dollar if they can’t get work and take care of their family.