If you don't report an at fault accident with a rental car to your insurance and a month later receive a bill 800 dollars what should you do?

Answer

I'm claims manager for a rental car co. The options are to pay it yourself or still report it to your insurance co. While insurers can deny coverage and not pay claims for late reporting, it's highly unlikely. They can't do so just because of a late report, but also have to show they were prejudiced by the late report (they didnt get a chance to inspect the damage before repairs, etc.)In the event they do deny, complain to a claims manager at your co, if that doesnt work go to your state Insurance Dept or Commissioner and file a complaint. If you didnt report this because you didnt want your premiums to go up,your company will find out about it anyway if a police report was made. If you decide to pay yourself, try to negotiate it to a lower amount. Especially argue that you shouldn't have to pay charges usually labelled something like "Administrative Fees" or "Loss of Use". They'll almost always waive these. Dont expect the rental co to just go away. Most are very aggressive in collecting damages, to the point of filing a lawsuit against you.

First answer by Richard. Last edit by Richard. Question popularity: 19 [recommend question]