I was involved in an accident in which the driver of a rental vehicle disobeyed traffic signal, collided into and totalled my car, and fled the scene of the accident. Lessee recanted story to PD about identity of driver and of permissive use. She was found guilty in municipal court for failing to report an accident. Her personal auto insurer refused to pay my claims. They denied coverage for the rental car because they claim that it was a non-owned vehicle and that lessee had to be the driver at the time of the accident. The letter of denial uses language such as "alleged driver, "non-resident relative" and "possible unauthorized driver." Is there a way to obtain lessee's complete declaration page that will entail coverage for rental cars (since denial letter uses wishy-washy language)?
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