What to do if I rented a truck with liability insurance covering damage to third parties up to $5000 but was in an accident and there was damage to the third party under that minimum?
Get Legal Help Today
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
What to do if I rented a truck with liability insurance covering damage to third parties up to $5000 but was in an accident and there was damage to the third party under that minimum?
We unfortunately did not file a police report, and now the rental truck company’s insurance office is denying the claim. I was at-fault.
Asked on September 18, 2013 under Accident Law, Pennsylvania
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 10 years ago | Contributor
Insurance is a contract; it is governed by its terms. If the terms of your coverage required you to file a police report or take some other step which you did not take, then they would be entitled to deny coverage due to your breach; in that event, you would have to pay any damage yourself. You can and should review the terms of the coverage to find out whether you were entitled to coverage in this situation, given what you did--and did not--do.
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 10 years ago | Contributor
Insurance is a contract; it is governed by its terms. If the terms of your coverage required you to file a police report or take some other step which you did not take, then they would be entitled to deny coverage due to your breach; in that event, you would have to pay any damage yourself. You can and should review the terms of the coverage to find out whether you were entitled to coverage in this situation, given what you did--and did not--do.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.