Q: Hello i was i was collateral damage in a car accident.
There was a wreck that had happened in pitch blackness on a major highway less than a minute before i had arrived. There was no other cars in the area. I ran over peices of there car and had damage to the underneith side of there car. My insurance company and there insurance company has me going back and forth its been 8 days now and i have no answers at all. In the mean time every day my undrivable car sits at the tow lot it racks up a 30$ fee daily. Not to mention 45$ a day to rent a car. Right now its going to cost OVER 1000$ to get my car back and thats not even considering repairs on it. We are looking at thousands of dollars i dont have and getting higher every day what should i do ?
A: Whether you have towing coverage or not, get the car out of impound, ASAP. If car rental was important, why didn't you have it on your insurance? The easiest thing to do is to pay your deductible and repair the car through your own insurance. When your insurance resolves the claim, they will reimburse you. Done.
If you have collision--which I'm assuming you have--your company has to run with the ball if you so direct, and they should cover storage--most companies won't let it sit there. If there's a problem, document it with not just an email but a hard copy letter, and then if a supervisor won't take care of it talk to the insurance commissioner.
If you don't have towing coverage then you would be best to get the car out of impound.
for anyone reading this step 1 is to have your car towed to whoever you want to have fix your car, as any tow place, even if it's a pasture in the middle of nowhere, charges downtown NYC prices per day. It's outrageous, and if you agree get your legislators to have some towing consumer rights. If they don't hear from you they will only hear from the towing company lobbyists.
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