Damaged Car - Insurance for Rental

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Jan 8th, 2018 12:28 am

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Jan 6th, 2018 4:01 pm

Voda14 [OP]: Newbie; Aug 20, 2016; 35 posts; 2 upvotes

Jan 6th, 2018 4:01 pm

Damaged Car - Insurance for Rental

Hi everyone,
I'm relatively new to this insurance stuff so I just want to post a quick question regarding my issue. Yesterday my neighbour's friend backed up into my vehicle (my car was parked in front of my house) causing damage. I have called the insurance and made a claim for it. I asked about rental vehicles and they said it is covered up to $1500. I read that if I'm 0% at fault and the other driver is 100% at fault, their insurance would cover my rental cost? Would I just go to Enterprise (insurance sent me there) and tell them the situation and they would deal with the billing? How would this work?

The situation is I'm 19 and need my car to commute to school (50km commute) so would they also allow me to drive the rental? I'm located in Ontario. I'm hoping someone could clarify my questions. Thank you very much.

7 replies

Jan 6th, 2018 5:13 pm

AstulzerRSX: Member; May 17, 2017; 294 posts; 190 upvotes; Waterloo

Jan 6th, 2018 5:13 pm

Voda14 wrote: ↑ Hi everyone,
I'm relatively new to this insurance stuff so I just want to post a quick question regarding my issue. Yesterday my neighbour's friend backed up into my vehicle (my car was parked in front of my house) causing damage. I have called the insurance and made a claim for it. I asked about rental vehicles and they said it is covered up to $1500. I read that if I'm 0% at fault and the other driver is 100% at fault, their insurance would cover my rental cost? Would I just go to Enterprise (insurance sent me there) and tell them the situation and they would deal with the billing? How would this work?

The situation is I'm 19 and need my car to commute to school (50km commute) so would they also allow me to drive the rental? I'm located in Ontario. I'm hoping someone could clarify my questions. Thank you very much.

You might want to check with insurance to see if they can get you a car.
I believe most rental companies only rent to 21+ except for Hertz, which rents to 20+.

Jan 6th, 2018 5:36 pm

i6s1: Deal Expert; Feb 9, 2003; 19145 posts; 3364 upvotes; 9347934 downvotes

Jan 6th, 2018 5:36 pm

Don't the body shops in Ontario have loaner cars? I know it's common here since I've worked at a few of them.

Jan 6th, 2018 8:13 pm

Voda14 [OP]: Newbie; Aug 20, 2016; 35 posts; 2 upvotes

Jan 6th, 2018 8:13 pm

Thanks for the reply guys. I've called my insurance and even the representative there had no idea and directed me to another rental company, but since today was Saturday evening, it was closed. Regarding the answer from i6s1, I have not heard of body shops having loaner cars. I will try and ask them when I visit. I'm hoping they will have something since I'm in need of a vehicle for school :/

Jan 6th, 2018 9:54 pm

peelhic: Deal Addict; Aug 20, 2007; 1950 posts; 727 upvotes; Kitchener

Jan 6th, 2018 9:54 pm

In ontario, if your are not at fault the rental is automatically included as part of your DCPD coverage. If you were at fault then you needed to have the OPCF 20 coverage which normally has limits of $1500 or so. Each company has slight different deefaults for the OPCF 20. OP, in your case since your not at fault the rental would be part of the DCPD

Jan 7th, 2018 10:25 am

COSMIC5: Deal Fanatic; Aug 11, 2008; 9257 posts; 1816 upvotes; Ontario

Jan 7th, 2018 10:25 am

not sure where you read that the other guys insurance would pay for your rental, as this is incorrect. In ontario when its a not at fault accident, you don't need the OPCF 20 (rental car coverage), you would automatically get a rental once the other party's insurance has assumed fault. The only thing I can think of is that they, your insurance, have not received confirmation of fault; therefore, have told you it will fall under the OPCF 20.. however, if this is the case, they would have also told you to pay your collision deductible until they received the confirmation of fault.

Voda14 wrote: ↑ Hi everyone,
I'm relatively new to this insurance stuff so I just want to post a quick question regarding my issue. Yesterday my neighbour's friend backed up into my vehicle (my car was parked in front of my house) causing damage. I have called the insurance and made a claim for it. I asked about rental vehicles and they said it is covered up to $1500. I read that if I'm 0% at fault and the other driver is 100% at fault, their insurance would cover my rental cost? Would I just go to Enterprise (insurance sent me there) and tell them the situation and they would deal with the billing? How would this work?

The situation is I'm 19 and need my car to commute to school (50km commute) so would they also allow me to drive the rental? I'm located in Ontario. I'm hoping someone could clarify my questions. Thank you very much.

RIBO LICENCED INSURANCE BROKER, over 35 years experience

Jan 7th, 2018 11:11 am

mingyang: Deal Addict; Mar 14, 2006; 4397 posts; 802 upvotes

Jan 7th, 2018 11:11 am

go to a body shop and they have connections to enterprise rental and usually would bring the car to the body shop.

Jan 8th, 2018 12:28 am

mapleleafs92: Sr. Member; Jul 26, 2011; 508 posts; 520 upvotes; NORTH YORK

Jan 8th, 2018 12:28 am

Voda14 wrote: ↑Hi everyone,
I'm relatively new to this insurance stuff so I just want to post a quick question regarding my issue. Yesterday my neighbour's friend backed up into my vehicle (my car was parked in front of my house) causing damage. I have called the insurance and made a claim for it. I asked about rental vehicles and they said it is covered up to $1500. I read that if I'm 0% at fault and the other driver is 100% at fault, their insurance would cover my rental cost? Would I just go to Enterprise (insurance sent me there) and tell them the situation and they would deal with the billing? How would this work?

The situation is I'm 19 and need my car to commute to school (50km commute) so would they also allow me to drive the rental? I'm located in Ontario. I'm hoping someone could clarify my questions. Thank you very much.

Yes enterprise will rent you a car but only after you have authorization from the insurance company (through arms or calling it in.)
19-21 you need to have the dealership or insurance company pay for you to have a rental.

And bonus points for you is that they can't even offer you insurance as you are pretty much guaranteed to damage the rental (statistically speaking. )

And everything will be billed to your insurance company just so you know.

And do not ever take a rental from the body shop.

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