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Esurance Complaint - Esurance Claim - Auto Insurance Claim
Auto Insurance Claim - Complaint
DALLAS, TEXAS -- An esurance customer collided into my vehicle about a month ago. I was very disappointed in Esurance’s lack of quality in regards to car rental processes. Although I didn't expect to get a vehicle that would replace mine in value, I would have expected to get something that would pay for a vehicle that didn't remind me of the 1970's, pre-automatic anything. Aside from that, I was angry that I would have to sign contracts (which they said was no responsibility of theirs) with the rental company and pay for my own deposit. After communicating my disgust about the poor process, I was told that in the State of Texas, they weren't even required to provide a car. If they so decided, they could give me BUS MONEY and be protected. So for all who are looking for a reputable auto insurance, esurance is not someone to be proud of.
Comments:
Posted by Hugh_Jorgen on 2006-07-22:
You need to get your own insurance company involved and let the fight this fight for you. Their adjuster is going to try and get out of this as cheaply as possible - I can't speak for Texas, but I would think any court would find that if someone damaged your car they are responsible to repair the damage and provide a resonable replacement while yours is out of service.
Posted by glc on 2006-07-22:
OK..in Texas if the driver who hit you was carrying liability insurance, and the accident was deemed to be his fault, HIS company must pay for or reimburse you (minimal daily amount) for rental costs while your vehicle is being repaired, or in the case if it's totaled, until you receive a settlement check. The rental need only be a "replacement" vehicle, which means it has to have 4 wheels, an engine & brakes. (sometimes you can "barter" with the Insurance company if you have special needs i.e. a very "large" person)The company that actually rents the vehicle has nothing to do with the insurance company. (some Insurance carriers may have "working relationships" with rental companies) So, if the rental company asks you for a CC for a deposit, that is YOUR responsibility. And of course, you have to sign a contract with the rental company. If you have collision on YOUR auto policy you can claim what is known as "first party", have your company pay to fix your vehicle (minus the deductible) and pay for rental (if you are carrying rental reimbursement as a coverage on YOUR policy)and then your company can subrogate to get their costs and your deductible back. As far as specific Texas laws: http://www.tdi.state.tx.us/consumer/consum86.html
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