Q: I got hit by another person while driving a rental vehicle
I got hit by another person while driving a rental vehicle, as the accident took place in a parking lot, the police asked me to visit the police station and file a report, now the rental company is saying i am responsible to pay for damages as the other person's insurance is not paying for the damages, it's been more than 10 months and they just called asking for money for damages, the other person hit me and I didn't had insurance, my credit card company had told me they will take care of the vehicle in case of accident, thus i declined the coverage from the rental place.
Now my credit card company is saying they won't pay anything as they are secondary insurance company and i need to speak with my insurance company where as I didn't had any insurance at that time.
Please advise.
A: In Nevada, when an accident occurs in a parking lot, it can be considered private property, so law enforcement may not complete a report at the scene. However, you did the right thing by going to the police station to file a report. Since you declined the rental company's coverage, your liability hinges on the agreement you have with your credit card company and the terms of their car rental insurance benefit. If they are claiming to be a secondary insurance provider, they typically come into play after your primary insurance has been exhausted. Since you didn't have primary insurance, the situation becomes complex. While the other driver was at fault, collecting from their insurance can be challenging, especially if they are disputing the claim. For personalized legal advice tailored to your unique circumstances, it's advisable to consult with an attorney.
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