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Old Apr 14, 2007 | 09:15 PM
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FP
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Joined: Aug 2006
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From: Crystal Lake, IL
Default Re: the saga continues... please advise...

Originally Posted by andrew
i discussed it with the service manager... and he states... i should be the responsible party because i didn't ask for supplemental insurance when retrieving the rental car (it wasn't even offered to me).

i am going to contact my insurance company on monday... i didn't do so yet... b/c i didn't want to throw up a red flag and have an incident listed against my policy. i did speak with another insurance agent/friend and he stated i should contact my state farm agent and provide him with the details... he also stated, my good drivers discount would not be affected if i did run a claim through my insurance b/c i was not at fault... but i don't feel i should have to pay anything toward this...

i beginning to wonder why one even needs insurance... if its this easy for an individual to be at fault and not suffer any consequences for their actions.
Well if you file through your insurance, they will go after the guy, and if they recover the damages, you will get your deductible back. However, chances are not good that they will recover anything from the loser.
As to the insurance from the dealer, I would think that if they did not offer you the additional insurance, they would be liable. Whenever I've rented a car when traveling or through a dealer loaner, I've always had to initial the part of the contract that says I DECLINED the coverage. They do that in fact to cover themselves that they offered it. In your case they did not offer it, and have no proof that you decline it. Your insurance should give you guidance through this, as they would prefer not to pick up the charges.
 
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