Car Insurance

Stephanie2167 · January 2017

I've been with State Farm since I was 16 and my parents have been with them even longer. I just did a quote with Geico and they can match my coverage for $170 less every 6 months. Does anyone have Geico? How are they? I like that with State Farm I have an actual agent that I can work with locally but now sure it's worth an extra $350 a year.

Has anyone had their insurance match a quote from another insurance company?

MommyLiberty5013 · January 2017

It's my understanding that Geico only covers autos?? Someone correct me if I'm incorrect. Other companies such as State Farm cover many things beyond cars. Are you a home owner? Even if you rent, you may find your rate decreases on auto if you bundled it with a home owners or a renters policy (which you should have). I view Geico as a lower end company - cheaper but maybe not as comprehensive or built to cover multiple things.

Stephanie2167 · January 2017

We have renters insurance through SF as well. I was doing some research (aka Googling) and although State Farm may be a tad bit more expensive, there customer satisfaction rating is among the best. I did just have my first accident ever in 17 years back in October and the claim and everything was super simple.

MommyLiberty5013 · January 2017

I'd stay with them then. If you're happy and have had experience with them in a claim I'm not in favor of upsetting an apple cart.

MrsAshleyH10 · January 2017

Have you gotten a renewal since your claim? Your rate could be very different from what you have now, and depending if/how you reported the claim on your Geico quote, that may impact rate when you go to purchase... I'd stay put until you have more info.

Stephanie2167 · January 2017

MrsAshleyH10 said:

Have you gotten a renewal since your claim? Your rate could be very different from what you have now, and depending if/how you reported the claim on your Geico quote, that may impact rate when you go to purchase... I'd stay put until you have more info.

No I haven't. :-/

labro · January 2017

@Stephanie2167 Your husband is in the military right? My dad has always received excellent rates and service from Armed Forces Insurance. You could also check out USAA. When we switched DH from State Farm to USAA he saved a significant amount of money on his auto insurance policy.

It's possible he could have taken the USAA quote back to State Farm and asked for them to lower their rate, but we were combining households and when it came down to the two, USAA was better in my book.

als1982 · January 2017

I'm a little surprised by all the USAA recommendations. H had them when we got married. We priced out their homeowners policies when he moved in and they were WAY higher than the Allstate policy I already had. Also when he went to cancel his auto policy, their customer service was terrible, continuing to auto-charge him for months after he canceled. I can't tell you how much time we had to spend on the phone with them. It was by far the worst insurance company I've ever dealt with.

LillibetteV · January 2017

als1982 said:

I'm a little surprised by all the USAA recommendations. H had them when we got married. We priced out their homeowners policies when he moved in and they were WAY higher than the Allstate policy I already had. Also when he went to cancel his auto policy, their customer service was terrible, continuing to auto-charge him for months after he canceled. I can't tell you how much time we had to spend on the phone with them. It was by far the worst insurance company I've ever dealt with.

I had a similar experience just getting a quote from Amica. Everyone who has them tells me they love them but I received absolutely terrible customer service. They actually sent a cancellation notice to my old insurer before I agreed to buy the policy or paid a deposit (totally illegal in MA by the way and when I called to read them the riot act was armed with the specific statute lol)! I decided to stay with Arbella and still received Amica bills twice and had to call several times to get it sorted out. At the end I just said "hi give me your supervisor" - get the supervisor - "hi yes, now please give me YOUR supervisor" without even trying to deal with the reps who kept screwing it up anymore.

labro · January 2017

als1982 said:

I'm a little surprised by all the USAA recommendations. H had them when we got married. We priced out their homeowners policies when he moved in and they were WAY higher than the Allstate policy I already had. Also when he went to cancel his auto policy, their customer service was terrible, continuing to auto-charge him for months after he canceled. I can't tell you how much time we had to spend on the phone with them. It was by far the worst insurance company I've ever dealt with.

I think your experience is outside the norm then. My dad has had a relationship with them for something like 30 years now through their banking and auto insurance side and I've had a relationship with them since I started handling my own banking and car insurance...so for around 12 years I guess. I've never had anything but excellent service and response from them.

Apples to apples USAA was slightly higher than State Farm on home insurance but with the savings we were making on auto insurance it ended up being in USAA's favor.

als1982 · January 2017

labro said:

als1982 said:

I'm a little surprised by all the USAA recommendations. H had them when we got married. We priced out their homeowners policies when he moved in and they were WAY higher than the Allstate policy I already had. Also when he went to cancel his auto policy, their customer service was terrible, continuing to auto-charge him for months after he canceled. I can't tell you how much time we had to spend on the phone with them. It was by far the worst insurance company I've ever dealt with.

I think your experience is outside the norm then. My dad has had a relationship with them for something like 30 years now through their banking and auto insurance side and I've had a relationship with them since I started handling my own banking and car insurance...so for around 12 years I guess. I've never had anything but excellent service and response from them.

Apples to apples USAA was slightly higher than State Farm on home insurance but with the savings we were making on auto insurance it ended up being in USAA's favor.

We literally had to call three times to cancel (so it wasn't just the initial customer service representative with whom we spoke) and were on hold for nearly an hour two of those times. For just car insurance. I was absolutely livid.

Stephanie2167 · January 2017

We've banked with USAA for almost 10 years and they surprisingly aren't cheaper than state farm when it comes to auto insurance. I just requested a new quote the other day.

MommyLiberty5013 · January 2017

In every conversation I have ever had with an insurance agent, when they'd ask me who I was with and I said "USAA" their response was, "Well, I am not even going to try and convince you to switch." It is possibly that USAA might have higher rates for some makes/models of cars in some counties across the nation. I have been with them for about 15 years. My dad has been with them for like 4 decades.

Not sure if you all recall this, but a few years back, my dad got into a physical/self-defense situation outside my grandpa's dialysis clinic, in which he was defending himself and put up his hands to stop an advancing man. It was winter and the man slipped and fell, injuring himself. Police were called and my dad was put in the clear by the officers who responded. However, my dad called USAA to check on his umbrella policy about coverage for court and self-defense if this guy sued him. They were prepared to have his back as long as he was not legally at fault. Anyway, the guy who came toward my dad was at fault and he never pressed any civil charges/sued my dad.

But, USAA was right there.

Twice I have had car trouble and called my USAA Roadside Assistance. Once was after a huge snow storm in Denver. Other peoples' roadside assistance took hours to get them out. USAA had a tow truck there to my location in less than 30 minutes. The second time I was in a sketchy neighborhood along the highway when my engine over heated. Again, USAA had someone there in minutes.

I just really like them!

Stephanie2167 · January 2017

MommyLiberty5013 said:

In every conversation I have ever had with an insurance agent, when they'd ask me who I was with and I said "USAA" their response was, "Well, I am not even going to try and convince you to switch." It is possibly that USAA might have higher rates for some makes/models of cars in some counties across the nation. I have been with them for about 15 years. My dad has been with them for like 4 decades.
Not sure if you all recall this, but a few years back, my dad got into a physical/self-defense situation outside my grandpa's dialysis clinic, in which he was defending himself and put up his hands to stop an advancing man. It was winter and the man slipped and fell, injuring himself. Police were called and my dad was put in the clear by the officers who responded. However, my dad called USAA to check on his umbrella policy about coverage for court and self-defense if this guy sued him. They were prepared to have his back as long as he was not legally at fault. Anyway, the guy who came toward my dad was at fault and he never pressed any civil charges/sued my dad.
But, USAA was right there.
Twice I have had car trouble and called my USAA Roadside Assistance. Once was after a huge snow storm in Denver. Other peoples' roadside assistance took hours to get them out. USAA had a tow truck there to my location in less than 30 minutes. The second time I was in a sketchy neighborhood along the highway when my engine over heated. Again, USAA had someone there in minutes.
I just really like them!

I do remember that story. Glad the guy never pressed charges. We love USAA for everything else but have just been with State Farm so long that I don't see why switching for almost the same coverage for same price. I decided to stick with what we have as Geico has terrible customer service reviews.

Have you used USAA for a home loan? We haven't bought a home yet but I've heard good and bad about them for home loans.

julieanne912 · January 2017

USAA is a nightmare to deal with on the back end for home loans. The customer themselves are usually pleased, but notsomuch for the title/escrow folks who have to deal with them on that end

abrewer5 · January 2017

On the topic of car insurance... and I'm so sorry to hijack your thread OP!

When an accident occurs and the other person claims 100% fault do both insurance companies appraise the damages on the vehicles? Or does only the paying insurance company?

Also, if the vehicle is totaled do they go by the replacement cost for the vehicle or the value if you were to sell it private party? In my situation there is about a $2500+ difference between what I could sell mine for private party according to KBB (which I've been told is what they use), and what it would actually cost to replace mine buying from a dealership.

PS: I've never been in this situation before and my insurance company won't return my phone calls otherwise I'd ask them. Ugh.

ETA: I do not recommend Penn National Insurance. They have been extremely non-responsive in my situation. I've heard great things about Gieco's customer from a friend, but I've never actually dealt with them.

LillibetteV · January 2017

abrewer5 said:

On the topic of car insurance... and I'm so sorry to hijack your thread OP!
When an accident occurs and the other person claims 100% fault do both insurance companies appraise the damages on the vehicles? Or does only the paying insurance company?
Also, if the vehicle is totaled do they go by the replacement cost for the vehicle or the value if you were to sell it private party? In my situation there is about a $2500+ difference between what I could sell mine for private party according to KBB (which I've been told is what they use), and what it would actually cost to replace mine buying from a dealership.
PS: I've never been in this situation before and my insurance company won't return my phone calls otherwise I'd ask them. Ugh.

ETA: I do not recommend Penn National Insurance. They have been extremely non-responsive in my situation. I've heard great things about Gieco's customer from a friend, but I've never actually dealt with them.

To the bolded - it will vary depending on your insurer and your particular policy. Some will pay the replacement cost and some will go by KBB. Some of the better companies will even pay the replacement cost for a car one year newer than the one you totaled. Some of the crappier ones will actually decrease the KBB value by the estimate depreciation of your particular vehicle parts (so if you need a new bumper they pay for 70% of a new one because your old one wasn't brand new - it already had some minor dents and scratches so they don't want you to "make out" in the deal by getting a nicer bumper than you actually started with).

abrewer5 · January 2017

LillibetteV said:

abrewer5 said:

On the topic of car insurance... and I'm so sorry to hijack your thread OP!
When an accident occurs and the other person claims 100% fault do both insurance companies appraise the damages on the vehicles? Or does only the paying insurance company?
Also, if the vehicle is totaled do they go by the replacement cost for the vehicle or the value if you were to sell it private party? In my situation there is about a $2500+ difference between what I could sell mine for private party according to KBB (which I've been told is what they use), and what it would actually cost to replace mine buying from a dealership.
PS: I've never been in this situation before and my insurance company won't return my phone calls otherwise I'd ask them. Ugh.

ETA: I do not recommend Penn National Insurance. They have been extremely non-responsive in my situation. I've heard great things about Gieco's customer from a friend, but I've never actually dealt with them.

To the bolded - it will vary depending on your insurer and your particular policy. Some will pay the replacement cost and some will go by KBB. Some of the better companies will even pay the replacement cost for a car one year newer than the one you totaled. Some of the crappier ones will actually decrease the KBB value by the estimate depreciation of your particular vehicle parts (so if you need a new bumper they pay for 70% of a new one because your old one wasn't brand new - it already had some minor dents and scratches so they don't want you to "make out" in the deal by getting a nicer bumper than you actually started with).

Thanks I appreciate the info! I have a feeling I'll be the one that gets screwed here because that's generally how my luck is. The girl who hit me has State Farm, so I'm hoping they aren't too petty being a larger insurance company. Nothing needed to be replaced on the vehicle until she ran the light, but that might be hard to prove considering the damage she did. I still haven't heard whether or not it's totaled so I'm currently just doing research and trying to piece everything together so I know what to expect. I appreciate the help!

jtmh2012 · January 2017

abrewer5 said:

Thanks I appreciate the info! I have a feeling I'll be the one that gets screwed here because that's generally how my luck is. The girl who hit me has State Farm, so I'm hoping they aren't too petty being a larger insurance company. Nothing needed to be replaced on the vehicle until she ran the light, but that might be hard to prove considering the damage she did. I still haven't heard whether or not it's totaled so I'm currently just doing research and trying to piece everything together so I know what to expect. I appreciate the help!

State Farm in my experience varies by area. In my case, they would repair the area that was damaged, but in my case, the car was still essentially "mint" and I wanted them to replace the bumper cover not just mold it back in place. My body guy eventually made them see the light on that one.

I also had a friend hit by a truck. They made one claim to fix the damage. Then after that was replaced, he did a "diminished value" claim for the loss of what he could have gotten selling the vehicle before/after the accident. Not sure who he's with other than it isn't State Farm.

abrewer5 · January 2017

jtmh2012 said:

abrewer5 said:

Thanks I appreciate the info! I have a feeling I'll be the one that gets screwed here because that's generally how my luck is. The girl who hit me has State Farm, so I'm hoping they aren't too petty being a larger insurance company. Nothing needed to be replaced on the vehicle until she ran the light, but that might be hard to prove considering the damage she did. I still haven't heard whether or not it's totaled so I'm currently just doing research and trying to piece everything together so I know what to expect. I appreciate the help!

State Farm in my experience varies by area. In my case, they would repair the area that was damaged, but in my case, the car was still essentially "mint" and I wanted them to replace the bumper cover not just mold it back in place. My body guy eventually made them see the light on that one.
I also had a friend hit by a truck. They made one claim to fix the damage. Then after that was replaced, he did a "diminished value" claim for the loss of what he could have gotten selling the vehicle before/after the accident. Not sure who he's with other than it isn't State Farm.

That's interesting. I was wondering if I could claim diminished value. I will have to look into this and the process for claiming, if it comes to that. I have a strong feeling my car will be totaled, but it's definitely good information to know in case it's not.

short+sassy · January 2017

abrewer5 said:

On the topic of car insurance... and I'm so sorry to hijack your thread OP!
When an accident occurs and the other person claims 100% fault do both insurance companies appraise the damages on the vehicles? Or does only the paying insurance company?
Also, if the vehicle is totaled do they go by the replacement cost for the vehicle or the value if you were to sell it private party? In my situation there is about a $2500+ difference between what I could sell mine for private party according to KBB (which I've been told is what they use), and what it would actually cost to replace mine buying from a dealership.
PS: I've never been in this situation before and my insurance company won't return my phone calls otherwise I'd ask them. Ugh.

ETA: I do not recommend Penn National Insurance. They have been extremely non-responsive in my situation. I've heard great things about Gieco's customer from a friend, but I've never actually dealt with them.

Alas, I've been in a number of accidents. Including totaled vehicles. I've never had the other insurance company do an inspection of my car. It's always been my own insurance.

I can't speak for other insurance companies, but my insurance (Progressive) uses the NADA excellent condition, high retail price when it totals out a car. Without any questions or nickel and diming on the condition, previous to the accident.

I'm actually surprised your insurer uses KBB. I've been told by both my insurance company and mechanics that the NADA is the industry standard for car values.

And geez! I'm sorry you haven't gotten a response yet on the "totaled"/"not totaled" question from your insurance. That's outrageous. It's been my experience a claims adjuster looks at it within 1-2 business days. The repair costs are formulated and a determination is made on the same day they look at it.

Normally I love Progressive, but I had an issue once years ago where the person assigned to my accident was not getting back to me. I sent an e-mail to the main customer service e-mail for the company. I outlined all the days/times I called, including the lack of response.

I received a phone call from the manager of my office the next business day. A new person was assigned to me and I was well taken care of after that.

abrewer5 · January 2017

short+sassy said:

abrewer5 said:

On the topic of car insurance... and I'm so sorry to hijack your thread OP!
When an accident occurs and the other person claims 100% fault do both insurance companies appraise the damages on the vehicles? Or does only the paying insurance company?
Also, if the vehicle is totaled do they go by the replacement cost for the vehicle or the value if you were to sell it private party? In my situation there is about a $2500+ difference between what I could sell mine for private party according to KBB (which I've been told is what they use), and what it would actually cost to replace mine buying from a dealership.
PS: I've never been in this situation before and my insurance company won't return my phone calls otherwise I'd ask them. Ugh.

ETA: I do not recommend Penn National Insurance. They have been extremely non-responsive in my situation. I've heard great things about Gieco's customer from a friend, but I've never actually dealt with them.

Alas, I've been in a number of accidents. Including totaled vehicles. I've never had the other insurance company do an inspection of my car. It's always been my own insurance.
I can't speak for other insurance companies, but my insurance (Progressive) uses the NADA excellent condition, high retail price when it totals out a car. Without any questions or nickel and diming on the condition, previous to the accident.
I'm actually surprised your insurer uses KBB. I've been told by both my insurance company and mechanics that the NADA is the industry standard for car values.
And geez! I'm sorry you haven't gotten a response yet on the "totaled"/"not totaled" question from your insurance. That's outrageous. It's been my experience a claims adjuster looks at it within 1-2 business days. The repair costs are formulated and a determination is made on the same day they look at it.
Normally I love Progressive, but I had an issue once years ago where the person assigned to my accident was not getting back to me. I sent an e-mail to the main customer service e-mail for the company. I outlined all the days/times I called, including the lack of response.
I received a phone call from the manager of my office the next business day. A new person was assigned to me and I was well taken care of after that.

To the bolded: I actually wasn't told by my insurance company that's the value they use but by someone else, who admittedly is not in the insurance industry. And I thought it would be at least a good baseline. I did look up the NADA value and it's very similar to the KBB value. I've attempted to get these answers from my company but haven't had any luck.

The fact that I don't know yet whether or not it's totaled is where my concern lies. It's been a week today and I thought that would be done by now. It seems to me that my insurance is NOT doing their own inspection of the vehicle but is leaving it in the hands of State Farm (the at fault person's insurance). I spoke to SF last week and they told me my claim was with the Total Loss Dept. So I asked if it was being considered a Total Loss and they said well no, but it might be. We won't know until the end of next week (now this week), but we'll contact you when we know. I'm just finding this process to be SO confusing and frustrating.

I don't really understand why I pay for insurance (other than the legal obligation to carry insurance, obviously) if my insurance company is not doing their own evaluation of my car and the damages. I called on the day of the accident to see if I should give SF permission to move my car to a SF certified lot and they said yes, so I guess I made a mistake releasing my car to SF (with my insurance company's agreement) and not having my company handle it. Lessons learned. I will definitely be shopping new insurance when this is over. I don't care if I pay more, it's worth it for good customer service when you need it.

DISCLAIMER: I am so sorry this turned into a huge vent and I hijacked this post. I just have no idea how this process typically goes and what the norm is.

Also I REALLY appreciate everyone's insight! It's been extremely helpful.

short+sassy · January 2017

@abrewer5, and in the meantime...while they take two weeks just to decide if your car is totaled or not...you're using up your short window of rental car insurance. I'm mad for you! I'm sorry its been especially difficult.

brij2006 · January 2017

@abrewer5 I know it's frustrating at this point, but your insurance is handling this correctly.
You CAN file a claim under your own insurance, but then they have to go back on the person who was at fault and open a suit to get that money back from their insurance company. If they are deemed 100% at fault then it's easier/better to handle everything through their insurance.
Main reason being, until their insurance pays your company back, you have a collision claim open and on your record. If you have a renewal during that time, your premium can increase for an accident you weren't at fault with. So that's usually where they advise you not to file a claim under your insurance when it's obvious the other person was at fault.
As for releasing your car to SF, that is normal procedure. If they find it not totaled, then they will tow it to the repair shop of your choice (at least what I've experienced), and they cover that cost.
If they have already deemed the other person at fault, then be sure to have them covering the cost of your rental car. Even if it takes them a couple extra weeks to get a value determined, they should cover the cost of your rental for however long you need it for.

abrewer5 · January 2017

Thank you @brij2006! I was hoping you'd weigh in on this. I appreciate the input. Glad to hear it's easier to just have them handle it and that I went about that the right way.

I was finally told last night that my car is in fact totaled. I am getting a decent amount back which is helpful, they're using the dealer value which was unexpected. They are taking my rental on Monday and not sending the check for 8-10 days. I'll be without a car for a few days and need to figure that out, but I am happy to finally have an answer.

MommyLiberty5013 · January 2017

Stephanie2167 said:

MommyLiberty5013 said:

In every conversation I have ever had with an insurance agent, when they'd ask me who I was with and I said "USAA" their response was, "Well, I am not even going to try and convince you to switch." It is possibly that USAA might have higher rates for some makes/models of cars in some counties across the nation. I have been with them for about 15 years. My dad has been with them for like 4 decades.
Not sure if you all recall this, but a few years back, my dad got into a physical/self-defense situation outside my grandpa's dialysis clinic, in which he was defending himself and put up his hands to stop an advancing man. It was winter and the man slipped and fell, injuring himself. Police were called and my dad was put in the clear by the officers who responded. However, my dad called USAA to check on his umbrella policy about coverage for court and self-defense if this guy sued him. They were prepared to have his back as long as he was not legally at fault. Anyway, the guy who came toward my dad was at fault and he never pressed any civil charges/sued my dad.
But, USAA was right there.
Twice I have had car trouble and called my USAA Roadside Assistance. Once was after a huge snow storm in Denver. Other peoples' roadside assistance took hours to get them out. USAA had a tow truck there to my location in less than 30 minutes. The second time I was in a sketchy neighborhood along the highway when my engine over heated. Again, USAA had someone there in minutes.
I just really like them!

I do remember that story. Glad the guy never pressed charges. We love USAA for everything else but have just been with State Farm so long that I don't see why switching for almost the same coverage for same price. I decided to stick with what we have as Geico has terrible customer service reviews.

Have you used USAA for a home loan? We haven't bought a home yet but I've heard good and bad about them for home loans.

We never did a home loan with them only because we've had an awesome mortgage broker we wanted to give our business to.

But we have used USAA's home circle. If you use one of their pre approved REAs, then they pay you cash as a bonus. The amount of cash you get is determined by how much money your home buys or sells for. For the recent buy/sell we did in this past summer we got around $2k from USAA for using an agent approved by them. She ended up being with Sotheby's Real Estate but when we bought our first house in MN our USAA approved agent was with Coldwell Banker. They give you a list of agents based on your geographic area and you get to select the one you want.

brij2006 · January 2017

@abrewer5 If you need the rental car for longer, then definitely discuss that with them and fight them on it. There is no reason they should not be covering the rental car for as long as you need it. Given it's a reasonable amount of time to purchase a replacement.
I know SF is stingy with their rental car coverage during claims. It makes zero sense, but they seem to think people should buy a replacement vehicle immediately once the check is in their hand. We've had to fight with them on behalf of our clients many times to cover a longer period of time.
But definitely fight it. Pull the card of "this accident was not my fault and I should not be out money or time without a vehicle due to your client." That usually gets them to add at least a few more days. I know I've had to call in and pull this every 3 days with an adjuster before because they would only authorize extra usage in 3 day increments.

julieanne912 · January 2017

Um yeah, that's crazy for them to take your rental away already. When I was having my car repaired for hail damage, I had the rental for 27 days, and I did get a call on day 25 from my insurance (Progressive at the time) saying I was coming up on my limit, but if I needed it for longer to just let them know. Thankfully I got my car back on day 27.

I'm worried about your situation happening to me though. My car is booked to go into the body shop in mid-March, and I'm leaving for a 11 day road trip on April 1. I'm worried, because it's a new model, that it'll take a long time to get parts etc., and that I'll have to fight with the other person's insurance to 1) give me an SUV that's comparable to mine (necessary for my drive back with my mom's dog and a whole bunch of stuff), and 2) give to me for a period long enough to take my trip in case my car isn't done. Part of me wants the rental for my trip though, so I'm not putting a ton of miles on my car haha!

abrewer5 · January 2017

julieanne912 said:

Um yeah, that's crazy for them to take your rental away already. When I was having my car repaired for hail damage, I had the rental for 27 days, and I did get a call on day 25 from my insurance (Progressive at the time) saying I was coming up on my limit, but if I needed it for longer to just let them know. Thankfully I got my car back on day 27.

I'm worried about your situation happening to me though. My car is booked to go into the body shop in mid-March, and I'm leaving for a 11 day road trip on April 1. I'm worried, because it's a new model, that it'll take a long time to get parts etc., and that I'll have to fight with the other person's insurance to 1) give me an SUV that's comparable to mine (necessary for my drive back with my mom's dog and a whole bunch of stuff), and 2) give to me for a period long enough to take my trip in case my car isn't done. Part of me wants the rental for my trip though, so I'm not putting a ton of miles on my car haha!

Ugh good luck. My car was considered an intermediate but they didn't have any available at the rental place so I got stuck with a compact. They're supposed to give you a car comparable to the one you currently drive thou, so you should get an SUV. That being said they told me I was not allowed to have my dog in the car, so you may want to check on that.

I think if I was going thru my insurance and they were going to fight for the money after the fact it would be easier to get an extension until the check came, but since it's her insurance I don't think they're required to give me any additional time than they have. I'm going to ask for it thou and see what happens.

julieanne912 · January 2017

abrewer5 said:

julieanne912 said:

Um yeah, that's crazy for them to take your rental away already. When I was having my car repaired for hail damage, I had the rental for 27 days, and I did get a call on day 25 from my insurance (Progressive at the time) saying I was coming up on my limit, but if I needed it for longer to just let them know. Thankfully I got my car back on day 27.

I'm worried about your situation happening to me though. My car is booked to go into the body shop in mid-March, and I'm leaving for a 11 day road trip on April 1. I'm worried, because it's a new model, that it'll take a long time to get parts etc., and that I'll have to fight with the other person's insurance to 1) give me an SUV that's comparable to mine (necessary for my drive back with my mom's dog and a whole bunch of stuff), and 2) give to me for a period long enough to take my trip in case my car isn't done. Part of me wants the rental for my trip though, so I'm not putting a ton of miles on my car haha!

Ugh good luck. My car was considered an intermediate but they didn't have any available at the rental place so I got stuck with a compact. They're supposed to give you a car comparable to the one you currently drive thou, so you should get an SUV. That being said they told me I was not allowed to have my dog in the car, so you may want to check on that.
I think if I was going thru my insurance and they were going to fight for the money after the fact it would be easier to get an extension until the check came, but since it's her insurance I don't think they're required to give me any additional time than they have. I'm going to ask for it thou and see what happens.

Yeah my mom's dog is 16 years old and 15lbs and will be in a carrier so that shouldn't be an issue

But yeah, even if I don't have to take it on the trip, I'm going to push hard for an SUV... our roads don't get plowed sometimes and AWD/4WD is a must until spring.

Car Insurance

Re: Car Insurance

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