Originally Posted By: Art_in_FL
That will work but you better be dead sure the policy in fact includes such coverage. If it doesn't and you force the issue you may find they simply bill you for being the third-party payer for a rental car they obtained as an amenity, and bill you with a substantial markup. Failure to pay them then goes to a collection agency that adds 'collection fees' to the bill the insurance company already marked up. Those sorts of bills can easily double or triple the original cost. And if they get batted back and forth, bills are assets that can be traded, the sky is the limit for how high they can go.


That doesn't sound anything like how car insurance works anywhere I've lived. If the offending motorist has liability insurance, it's part of his liability to pay for your rental car for a reasonable period between when he wrecked yours and you get it back, or it's totaled and you get the money from it.

Whether his insurance covers his rental car is completely unrelated to what he (and therefore his insurance company) owes you for wrecking your car.