I am a sub-contractor for a big 4 company and I have been renting a car with a major rental company for 250+ days out of the year for the past three years. This past year I rented a car while visiting out of town and the agent upgraded me to a luxury car for an extra fee. I have LDW as a part of my company's contract and I don't have the option to exclude it or add any additional insurance as every rental agent told me the coverage I have covers everything. During the rental, I hit a curb and the air bags came out. The accident didn't cause any property damage and I immediately called the helpdesk and they sent me a tow truck and I went back to the rental location at the airport to drop it off and pick up another car. Now the rental company is sending me an expensive $20k bill asking me to claim it through my primary insurance as they think the facts I provided claim this to be outside the coverage. I really don't understand why this would happen as LDW should cover everything. Besides that, I am a traveling contractor with no auto insurance as I use my company's LDW while renting cars. Was I suppose to get a police report?
You note you have a LDW, but it didn't come from the rental company. That's why they aren't covering it. If your work provides insurance you need to notify them of the claim. Hopefully you let them know back when this happened.
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