I got rear-ended on 290 on the way to CS for the game yesterday.
This is my first "real" wreck that couldn't be handled with just some information exchange, so I'm trying to make sure I don't make any missteps in dealing with everything. The officer stated that the other driver will be cited. I called my insurance (Amica) and started a claim. Here's where I start to have questions. I have $20/day rental allowance which I've found won't even cover the cost of a sub-compact car. When I asked my insurance how the overage is handled, they stated that I would have to pay it out of pocket and that they would only pursue the $20/day from the other driver's insurance. I would have to try to recover the difference on my own. Is that correct? And if so, is that going to be a hassle getting them to pay? I'm not really comfortable driving a sub-compact car in Houston, not to mention that I need a truck to haul materials for our on-going remodel. To get a truck rental, I'm looking at ~$46/day just searching the Enterprise website. Putting me out-of-pocket over $25/day with no guarantee of reimbursement doesn't sound like a good plan to me. Am I overthinking how difficult her insurance is going to be to deal with (Geico)?
Looking at it from another angle, I have access to a vehicle from my MIL that she would be willing to let me drive until this all gets sorted out. If I go that route, can I get any reimbursement for "renting" the car from her?
Back to my truck...I thought my '99 Silverado came out with just a bent bumper, but upon closer inspection, when the bumper and receiver hitch got pushed down, the location where the receiver hitch assembly bolts to the frame got pushed up, bending the frame rails. This also caused the bed to push up and bend at the same location. Will this total the truck? I thought it was still drivable, but the officers and tow truck drivers said not to, so I let them tow it.
Sorry for this post being somewhat stream of consciousness. I appreciate any information/advice. I'm sure I'll be back with more questions as this process works its way out.
This is my first "real" wreck that couldn't be handled with just some information exchange, so I'm trying to make sure I don't make any missteps in dealing with everything. The officer stated that the other driver will be cited. I called my insurance (Amica) and started a claim. Here's where I start to have questions. I have $20/day rental allowance which I've found won't even cover the cost of a sub-compact car. When I asked my insurance how the overage is handled, they stated that I would have to pay it out of pocket and that they would only pursue the $20/day from the other driver's insurance. I would have to try to recover the difference on my own. Is that correct? And if so, is that going to be a hassle getting them to pay? I'm not really comfortable driving a sub-compact car in Houston, not to mention that I need a truck to haul materials for our on-going remodel. To get a truck rental, I'm looking at ~$46/day just searching the Enterprise website. Putting me out-of-pocket over $25/day with no guarantee of reimbursement doesn't sound like a good plan to me. Am I overthinking how difficult her insurance is going to be to deal with (Geico)?
Looking at it from another angle, I have access to a vehicle from my MIL that she would be willing to let me drive until this all gets sorted out. If I go that route, can I get any reimbursement for "renting" the car from her?
Back to my truck...I thought my '99 Silverado came out with just a bent bumper, but upon closer inspection, when the bumper and receiver hitch got pushed down, the location where the receiver hitch assembly bolts to the frame got pushed up, bending the frame rails. This also caused the bed to push up and bend at the same location. Will this total the truck? I thought it was still drivable, but the officers and tow truck drivers said not to, so I let them tow it.
Sorry for this post being somewhat stream of consciousness. I appreciate any information/advice. I'm sure I'll be back with more questions as this process works its way out.