my car

Posted: Sun May 04, 2008 11:14 am Post Subject:

more than likely it's totaled..if it was 2700 ACV last wreck and sustained 1600 in damage that you didn't repair...reduce the value to about 1k or less (maybe) and 850 or more to fix....she's likely a goner

Posted: Sun May 04, 2008 11:32 pm Post Subject: insurance

LORI..hope you can help me on this one. I was in an accident last year, in November. I paid a $500.00 deductable and the insurance company paid the rest. NOW...I have FULL coverage through my loan, for my vehicle. However....the financing, for the car DOES NOT include a rent-a-car. My vehicle is STILL driveable..I drive it everyday. To get ALL of the wrok done, from the damage of the accident, I need to leave it at my mechanics for 3 or 4 days. Do you know if there is a website ( or something to that effect..?) that I make monthly payments, for rent-a-car coverage?

Posted: Mon May 05, 2008 10:28 am Post Subject:

sdchargersfan, I'm not sure I'm understanding your question...are you asking if there is a place that you can now purchase rental car insurance? That you could use while your vehicle is in the shop? I need to understand something first...Or are you asking is there a rental car company that would rent you a vehicle that you could then make payments for the rental ? (no by the way if that is the question).

You shouldn't have paid any deductible until your vehicle is completed and you are satisfied with the repairs, you then pay that to the repair company...you would've been 'charged' your deductible, by it's subtraction from the claim payment but not actually paid it yet...

I have FULL coverage through my loan, for my vehicle. However....the financing, for the car DOES NOT include a rent-a-car.

Posted: Tue May 06, 2008 02:08 am Post Subject: insurance

I'm sorry, LORI..if I'm not explaining this clearly. The finance company, I use for my car doesn't carry 'rent-a-car' insurance on it. They said they couldn't do that on a loan for a used vehicle. Usua;;y with ANY kind of insurance, you make monthly payments, for the insurance you get. I just wanted to know if there was anything like THAT, concerning rent-a-cars. Hope I explianed this clearly (sorry you din't understand the 'first time around.') No....I haven't paid the deductable yet,....I don't have to pay that until my car is done, and I pay THAT to the shop that's repairing my car.

Posted: Tue May 06, 2008 10:08 am Post Subject:

All auto carriers would (I'd think) offer rental car insurance, however, I don't know that they would offer it alone...but maybe...which insurance company do you have your vehicle insured with? They should be able (for a price of course) add that coverage to your policy, that really shouldn't be any problem at all.

Posted: Tue May 06, 2008 11:11 am Post Subject: insurance

The 'Full Coverage' I have ( of course, this was 'used' for my accident) is through Citifinancial ( where I have my vehicle financed). They said they "don't offer rent-a-car insurance. I don't know why...I THINK they said because it's a loan for a USED vehicle. Does that make sense? Do you know if I can get rent-a-car insurance through my Liability Insurance ( this is through Nationwide).

Posted: Tue May 06, 2008 01:07 pm Post Subject:

Regardless of whether they offer the coverage or not, you apparently don't have it for use on this claim. If you need a rental car for a few days, and can afford around $100 total, you can ask your insurance company to reserve you a car at their rental company of choice. I did not have rental car coverage on my policy when I got in an accident, but Nationwide was more than willing to reserve me a car at their rate which worked out to $30/day. You won't likely beat that rate if you get the car on your own.

Posted: Tue May 06, 2008 01:11 pm Post Subject:

^^ That was me. I finally decided to sign up since I lurk here a lot.

Posted: Wed May 07, 2008 03:31 am Post Subject: rent a car

Well..maybe I'll do that. Thanks for the advice, WIL. You said you, "lurk here alot." OMG!! I hope that's a GOOD thing?! LOL For my Liabilty,can I put in a request, to put Rent-a-car insurance on? Or does the rent-a-car insurance have to be through a 'full coverage' policy?

Posted: Wed May 07, 2008 10:19 am Post Subject:

wait a minute here SD

I THINK they said because it's a loan for a USED vehicle. Does that make sense? Do you know if I can get rent-a-car insurance through my Liability Insurance ( this is through Nationwide).