I was recently involved in a minor "Not at Fault" accident. Other party's insurance company is paying for the minor repairs and the insurance company is directly paying for the rental car as well. I declined insurance coverage provided by the rental car company since my Insurance covers rental car as well. We had hail this evening in Kansas. Rental car is slightly damaged. There is a good possibility that my car that is being repaired at the body shop may also have been damaged. If that is the case, I will have two hail damaged cars. Am I responsible for both the cars? Will my insurance company pay for both the cars? Am I responsible for both the deductibles ($500 each)?
Your own auto insurance, if you have full coverage, should pay for the damages to the rental car and to your car as well. You may only have to pay one deductible depending upon how your auto policy is written. Contact your agent and make a claim explaining that damages to both vehicles came from the same storm.
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