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Subject: Re: Car wreck in Nassau-what to do

Posted by: Jack
Host: gate2.progressive.com
IP #: 12.149.100.21
E-mail: <fjm0008@comcast.net>
Date Posted: October 26, 2009 at 11:40:19
Subject: Re: Car wreck in Nassau-what to do

Message:

: My husband is currently in Nassau on business. Last night he was rear-ended
by
: someone while going out to dinner. He contacted the car rental company and
was
: told to file a police report (unfortunately the police were not called to the
: accident scene). He filed a police report today and was told the report
would
: be ready on Tuesday. He is leaving the returning home on Monday and won't be
: there Tuesday to get the report. The car rental company is telling him he is
: reponsible for $1000 deductible even though the accident wasn't his fault.
: Anyone have suggestions/thoughts on where we need to go from here before this
: turns into a nightmare and we end up paying for an accident that wasn't his
: fault.

Hello, I have worked for an insurance company for 20 years in claims.
Unfortunately you will owe your deductible to the rental company. They do not
submit claims to other carriers to repair their vehicles. They will repair
the vehicle as they are self insured. The process works like this. Your
personal vehicle coverage transfers over to the rental vehicle. The rental
company is filing a claim through your carrier. Your company pays for the
damage, you pay the deductible to the rental company. Your company then will
subrogate the person who struck the rental. Once they receive payment for the
damages your company refunds your deductible to you. You need to call the
claim in to your insurance company. Hope this helps.