|
Scion FR-S / Toyota 86 GT86 General Forum The place to start for the Scion FR-S / Toyota 86 | GT86 |
|
Thread Tools | Search this Thread |
03-24-2019, 09:06 PM | #1 |
Banned
Join Date: May 2015
Drives: 2015 FR-S
Location: NPR, Florida
Posts: 2,404
Thanks: 1,802
Thanked 2,903 Times in 1,282 Posts
Mentioned: 25 Post(s)
Tagged: 2 Thread(s)
|
Heavy pain damage to rental/does insurance cover?
This isn't FRS directly but I know I would get more answers and quicker here and it's kind of an emergency so...
I have a friend who ran into the orange flappy things in between lanes and scraped the paint down to metal in some places and yanked off the drivers side mirror She was using a loaner from Toyota while her car was being worked on under warranty. She didn't rent the car they just gave her the keys and said they'll call her back when her car is done. So the question is, is she liable for the damage? Does her insurance have to pay for the damage or does she just turn the car back in and that's it? |
03-24-2019, 11:23 PM | #2 | |
Senior Member
Join Date: Jun 2013
Drives: 2023 GR SUPRA,15 FR-S (SOLD)
Location: Philadelphia, PA
Posts: 4,235
Thanks: 3,086
Thanked 2,100 Times in 1,397 Posts
Mentioned: 31 Post(s)
Tagged: 2 Thread(s)
|
Quote:
First off wrong forum Second, each dealer has there own courtesy car policy, you have to check with them and if she signed anything. By her own admission this is her fault and it will most likely have to go through her policy or will have some clause at in some paperwork somewhere that says she needs to pay for the damage....
__________________
*SOLD*OFT Stage 2 UEL E85/Nameless Performance 3 inch axleback with 5 inch mufflers/ TRD CAI / CNT UEL/ Cusco Strut BAR & LHD Brake Stop / "JDM" Toyota Badges / WinJet JDM headlights - DRL MOD from fteightysix.com - 5000K Diode Dynamics HID kit / Diode Dynamics LED interior Lights and sidemarker bulbs / JDM Clear Sidemarkers / Diode Dynamics LED switchbacks/ OLM LED rear turn signals / Tap Turn Relay*SOLD*
|
|
The Following User Says Thank You to FRSBRZGT86FAN For This Useful Post: | bkharmony (03-25-2019) |
03-24-2019, 11:56 PM | #3 |
Senior Member
Join Date: Aug 2012
Drives: FR-S
Location: Houston
Posts: 1,056
Thanks: 464
Thanked 819 Times in 414 Posts
Mentioned: 5 Post(s)
Tagged: 0 Thread(s)
|
Best case scenario is they make her pay them whatever her deductible is.
Worst case, they draw up the paperwork for her brand new, slightly worn Corolla (or whatever). Somewhere in the middle, they turn it in to her insurance to whom she pays the deductible and her rates go up. |
03-25-2019, 12:11 AM | #4 |
Senior Member
Join Date: Sep 2016
Drives: 17 86
Location: Oregon
Posts: 1,671
Thanks: 75
Thanked 1,133 Times in 647 Posts
Mentioned: 10 Post(s)
Tagged: 0 Thread(s)
|
Don't text and drive. If they just "gave" her the car, tell 'em it was like that when she got it.
|
03-25-2019, 12:18 AM | #5 |
Senior Member
Join Date: May 2013
Drives: 2013 FR-S, white, MT
Location: Puyallup, WA
Posts: 29,866
Thanks: 28,787
Thanked 31,813 Times in 16,424 Posts
Mentioned: 708 Post(s)
Tagged: 2 Thread(s)
|
Oh, I reckon that's up to the dealer and maybe her insurance company.
She will have to ask them. humfrz |
The Following User Says Thank You to humfrz For This Useful Post: | bkharmony (03-25-2019) |
03-25-2019, 01:36 AM | #6 |
Driver
Join Date: Sep 2013
Drives: 16 Subaru BRZ
Location: San Diego, CA
Posts: 183
Thanks: 35
Thanked 45 Times in 41 Posts
Mentioned: 0 Post(s)
Tagged: 0 Thread(s)
|
Im just posting to see the outcome
__________________
BRZ Build Thread
See you space cowboy... |
03-25-2019, 07:50 AM | #7 |
Senior Member
Join Date: Jun 2017
Drives: BRZ Yellow, 2019 Ranger, 2011 Evora
Location: Dallas
Posts: 1,685
Thanks: 352
Thanked 1,475 Times in 771 Posts
Mentioned: 14 Post(s)
Tagged: 1 Thread(s)
|
|
04-06-2019, 01:39 AM | #8 |
Senior Member
Join Date: Jul 2013
Drives: FR-S 10 Series
Location: NY
Posts: 1,062
Thanks: 615
Thanked 347 Times in 251 Posts
Mentioned: 4 Post(s)
Tagged: 0 Thread(s)
|
|
04-06-2019, 04:02 PM | #9 |
Senior Member
Join Date: Mar 2014
Drives: 2014 BRZ Limited
Location: USA
Posts: 4,045
Thanks: 1,100
Thanked 5,618 Times in 2,266 Posts
Mentioned: 55 Post(s)
Tagged: 1 Thread(s)
|
Yes. Why wouldn't she be? She damaged the car, right? So she's liable for the damage.
That depends on her policy. Most likely she would be covered under her own liability policy, but none of us can know that for sure. Also, going back to the first question, even if the insurance company agrees to accept her liability for the damage, it's still ultimately her liability. The insurance company is simply agreeing to stand in for her. She could try that if she's a dishonest person who doesn't own up to her mistakes and shirks her responsibility. If the dealership is so sloppy that they just hand out cars without a loaner contract and without getting her insurance information, they may be sloppy enough not to notice until it's too late to figure out where the damage came from. But what's more likely to happen is that they'll demand her insurance information and file a claim against her liability coverage. If she refuses to give them her insurance information, they'll probably file the claim with their own insurance company instead, and then that company's subrogation department will find out her insurance info and sue her and/or her insurer to reimburse them for the claim, plus legal costs and expenses. Most likely the failure to report an accident of that type to her own insurer would invalidate her policy for that matter, so that they would simply refuse to accept responsibility for it, and the suit (and subsequent damages) would fall entirely on her. Oh, and if the dealer notices the damage before they release her own car back to her, they may refuse to give it back if she doesn't provide her insurance information for a claim. Sure, that sounds like the way to go. Let us know how it turns out. |
04-06-2019, 07:01 PM | #10 |
Banned
Join Date: May 2015
Drives: 2015 FR-S
Location: NPR, Florida
Posts: 2,404
Thanks: 1,802
Thanked 2,903 Times in 1,282 Posts
Mentioned: 25 Post(s)
Tagged: 2 Thread(s)
|
To be clear here, I told her to get it repaired on her dollar and don't get insurance involved. Somebody else who works in insurance told her to just turn it in as they expect damage to be there.
The whole mirror and the mirror cover were replaced, so that's is all new. The scratches can be buffed out mostly except since it was mostly the stuff rubbed off onto the car where it went into the metal a bit. It all looked a lot worse at first and I've rented cars with the same kind of damage so maybe they will just not care like the other insurance person said? No paperwork was done, it was just "here's a car and bring it back when we are done on your car" which was weird. She still has the car so I will fill in the ending when it happens. |
The Following 2 Users Say Thank You to Impureclient For This Useful Post: | extrashaky (04-06-2019), Tcoat (04-07-2019) |
04-07-2019, 12:31 AM | #11 |
[insert cool phrase here]
Join Date: Aug 2015
Drives: BRZ Premium
Location: Central Coast CA
Posts: 2,369
Thanks: 709
Thanked 1,558 Times in 930 Posts
Mentioned: 30 Post(s)
Tagged: 0 Thread(s)
|
Sounds like it's the official sacrificial loaner car. The one car that would get tossed around and never sell.
Either way sounds like the damage wasn't as bad.
__________________
New daily driver - Subaru BRZ Premium
Weekend fun/track car - '91 MR2 Turbo Gen3 Old daily driver - '88 MR2 Supercharged |
|
|
Thread Tools | Search this Thread |
|
|
Similar Threads | ||||
Thread | Thread Starter | Forum | Replies | Last Post |
Insurance companies forced to cover track day damages? | nocwage | CANADA | 57 | 04-03-2019 05:21 PM |
Insurance question, handing totaled cars over to insurance | ZionsWrath | Off-Topic Lounge [WARNING: NO POLITICS] | 16 | 05-15-2018 08:15 PM |
Must have hit something. Will insurance cover this? | retrosmiths | Scion FR-S / Toyota 86 GT86 General Forum | 21 | 05-24-2013 03:00 PM |
FI/Heavy Modification Insurance | Pneub | Forced Induction | 8 | 05-19-2013 10:29 PM |
Will Insurance cover aftermarket parts? | mickey177 | Scion FR-S / Toyota 86 GT86 General Forum | 9 | 07-04-2012 05:54 PM |