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We heard back from the Perrysburg police about our accident. They found the owner of the car. His friend had been driving it and was the one who drove off. You could say that he kept on going; the officer told me that when the guy heard the police were looking for him he fled the state!! So I guess he really didn't want to "go back to jail!"

The owner had insurance through a reputable company and the officer gave me the name and policy number for the owner. I filed a claim with that insurer. They made a call to their customer (which is standard procedure) and then approved the repair of our van. 

Two lessons about a rental car

The adjuster was quick to get in touch with us and our repair was approved in short order. But then I noticed that his letter to us said that we would get $38 per day toward a rental car while ours was in the shop. That would only get us a mid-size car. The vehicle being repaired was our 8-seater minivan.

I called the adjuster and explained that we simply couldn't transport our family in a car and we knew we were entitled to be provided with a rental car that was similar to our damaged van. He agreed and authorized us to rent an 8-seater van. That will cost around $50 per day.

From this you can learn two lessons:

1) When someone has damaged your car, their insurance should provide for you a similar car to the one being repaired. It does not mean that they should rent you a Cadillac if you were driving a Chevy, or even that it should be the same brand of car as yours. But you can confidently ask for a vehicle similar in size to the one you usually drive.

2) When you are at fault in an accident, your policy will only provide coverage for a rental car if you chose and paid for rental reimbursement coverage. Also, the policy will pay up to the maximum amount specified, per day. So if you have only $25 per day of coverage, you may end up spending $15 per day for that rental anyway. That's still much, much better than having no coverage at all. But if you want less out-of-pocket costs at the time of an accident, consider a higher limit.

As for us, our van is scheduled to be repaired next week!
Posted 9:19 PM  View Comments

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