Someone hit my car, their insurance provided me a rental, someone else hit my rental! Who pays Enterprise?

Question

My original accident was the other party's fault, his insurance is paying for my repairs and rental.

The person that hit my rental left a note with contact information, thank goodness. I am waiting for them to return my call.

My deductable through my insurance company is $1,000. Enterprise is telling me that I will be charged my deductable. I did not accept the supplemental insurance when I signed for the rental. Is enterprise allowed to do this even if the other person's insurance company is paying for my rental car? I initially gave them my credit card until the insurance company contacted them for payment arrangements. The bill is now direct billed to the insurance company.

Answer 1

you've answered your own question.  You will pay Enterprise if you can find the person that left the note.  I'd be looking.

Answer 2

Yes, they can do this & it's written in the contract you signed.  You need to call your insurance company and they will deal with Enterprise and the other party.  The original rental will and still should be paid by the 1st liable party.

Answer 3

The insurance company is not responsible for the damage to the rental.  The vehicle was in your care, custody, control.  Since you did not take out the CDW, then you pay for the damages.   Supposing you were involved in an at-fault accident, and the other party was injured.  Do you think the insurance company would be responsible for those damages?  Why would their insured's liability coverage cover your losses.

Answer 4

I've gone through the similiar thing -- still a little bit painful,here is the resource help me out.http://car-insurance.easyideas4u.info/ca...

Answer 5

Enterprise will pursue the claim against your collision coverage.

Your insurance company will pursue the person who hit the rental car for re-payment (Subrogation).

The person who hit your car in the first place causing you to get a rental has nothing to do with the damage to the rental.

When you took out the rental car - you declined the damage waiver since you have collision coverage. A smart move b/c the damage waiver costs 16+ per day and the insurance company would not pay for that. (They only owe the daily rate and the tax).

Therefore, you declined the damage waiver and said that instead your collision coverage would be responsible.

So, Enterprise is holding your collision coverage responsible for the damage to their car.

When you took out your collision coverage - you chose the 1000 deductible. You agreed that you would be responsible for the first 1000 worth of damage if the insurance company would pay for everything after that. The deductible applies regardless of fault. It's not Enterprises problem that you chose a high deductible. (again, not necessarily a bad decision b/c the higher the deductible, the lower the premium).  

Here's what you do:

Pay Enterprise the Deductible

Have your collision coverage pay for the damage to the rental

Cooperate with your insurance company in the investigation of the claim (for the damage to the rental car).

If your insurance company is successful in recovering from the at fault drivers insurance company - they will forward your deductible to you.

Long story short -- rental car was in your possession. You are responsible for any damage that happens to it -- even if you did not cause the damage.

Answer 6

Yes, you are reponsible for the rental as if it was your own.  It matters not who was paying for the rental nor the reason you rented one.    Hopefully the person who hit you has insurance. In my experience, Enterprise does not charge you your deductible if they know who the other insurance company is and know they have accepted liability.  Report it to your insurance company and tell them to get on the ball and find out who the other insurance company is.

Answer 7

Yes, they will insist on that $1,000.   Even though Enterprise won't actually get the damages fixed, they'll charge you for it.  And it doesn't sound like $300, it sounds like $1200 - plus the loss of rents for 5 days, probably.  

Yes, Enterprise can do this.  Regardless of who's paying for the rental, YOU are responsible for any damage that happens to the car, while it's in your care, custody, and control.

Answer 8

Dude, you are responsible for ANY vehicle you drive -- if repair costs are less that your collision deductible then you will have to pay the $300 yourself. Hopefully the other party will step-up and file a claim on their own insurance so you won't be out any cash.

Answer 9

Always accept the supplemental insurance on a rental.