I got into an accident, what will happen?

Originally Posted by Unregistered1303

I got into an accident and my insurance will cover it, i alreayd have a claim and everything, and they simply told me to drop off the car when i am ready to enterprise and to have enterprise contact them witht he claim number and they will pay all repairs and i dont have to do anything,

what does enterprise usually do? will they do it with my insurance compnay? or will they make me pay for everything and charge me outrageous amounts of money and have the insurance company pay me? Can they even do that, isnt the point of insurance that they would cover this type of sitution for me?

I did not get any CDW from enterprise for my company covers 100% ..

I am worried... and i dont plan on returning car till friday-- accident was on today (wed), the right mirror shattered and there is somewhat denting pain issues on both doors, but its mild on the doors, main issue is mirror.

My first disclaimer is that I am not a lawyer and I am not giving legal advice. I'm just familiar with the procedures of how they handled claims when I dealt with them. Enterprise will try to collect from the responsible party or the responsible party's insurance first. If the accident is your fault or if ERAC is unable to collect from the other party's insurance (regardless of fault), Enterprise will try to collect from your insurance under your collision coverage. If your deductible is $500, your insurance will cover the damage and you will pay Enterprise the $500. If you don't have insurance, then ERAC will bill you directly for all the damage (sounds like it could be in the thousands). Enterprise does not care whose fault the accident is; they just want to be paid. If there are any delays, they will send you a bill directly for all the damage. If I were you, I'd keep close tabs on this and request pictures and an estimate of the damage be sent to you. They (with the exception of their loss control dept) thrive off of what they call their ESQI, which is a customer service survey that represents what percentage of customers are being satisfied. If you're not happy with how it's being handled, don't just talk to the supervisor of the loss control person, talk to the person at the branch you rented from and explain to them that you're not "completely satisfied" with how they're handling it. If you're still not happy, just keep going up the ladder. I would make it very unpleasant to deal with you. Also, something else to remember... in certain states, there are maximums that you can be held responsible for. The laws vary depending on your jurisdiction. Ask the loss control person from ERAC and see if they tell you the truth or feel a need to hide it. If a debt is not paid within 90 days, they'll sometimes send you to collections. That's because their accounting techniques discourage keeping claims open for more than 90 days (things go into bad debt). Remember, you'll feel rushed to pay, pay, pay. Make sure you have the final bill and not an initial estimate before you pay. I've seen people get overcharged for damage and then not refunded for the difference when the final repairs are made. Good luck and be careful.

I think all of you are a bunch of worthless fags.

[caliente]

Originally Posted by Unregistered1234523

My first disclaimer is that I am not a lawyer and I am not giving legal advice. I'm just familiar with the procedures of how they handled claims when I dealt with them. Enterprise will try to collect from the responsible party or the responsible party's insurance first. If the accident is your fault or if ERAC is unable to collect from the other party's insurance (regardless of fault), Enterprise will try to collect from your insurance under your collision coverage. If your deductible is $500, your insurance will cover the damage and you will pay Enterprise the $500. If you don't have insurance, then ERAC will bill you directly for all the damage (sounds like it could be in the thousands). Enterprise does not care whose fault the accident is; they just want to be paid. If there are any delays, they will send you a bill directly for all the damage. If I were you, I'd keep close tabs on this and request pictures and an estimate of the damage be sent to you. They (with the exception of their loss control dept) thrive off of what they call their ESQI, which is a customer service survey that represents what percentage of customers are being satisfied. If you're not happy with how it's being handled, don't just talk to the supervisor of the loss control person, talk to the person at the branch you rented from and explain to them that you're not "completely satisfied" with how they're handling it. If you're still not happy, just keep going up the ladder. I would make it very unpleasant to deal with you. Also, something else to remember... in certain states, there are maximums that you can be held responsible for. The laws vary depending on your jurisdiction. Ask the loss control person from ERAC and see if they tell you the truth or feel a need to hide it. If a debt is not paid within 90 days, they'll sometimes send you to collections. That's because their accounting techniques discourage keeping claims open for more than 90 days (things go into bad debt). Remember, you'll feel rushed to pay, pay, pay. Make sure you have the final bill and not an initial estimate before you pay. I've seen people get overcharged for damage and then not refunded for the difference when the final repairs are made. Good luck and be careful.

this post is about half true. once a rental car comes back damaged, enterprise sends it to the shop to get repaired immediately, because they run so tight, one car off the road is a shitload of lost revenue. in the mean time, they right an accident report and fax a copy of your rental contract with you declining the enterprise insurance to your insurance company telling them to pay up, you let a rental car get damaged. your insurance company wil then weasel its way out of paying, finding some loophole that they dont owe enterprise shit, and you will hav eto pay for the who thing out of pocket. moral of the story, buy the god damn cdw and tell enterprise to go fuck themselves

[The Real Goofus]

Originally Posted by Unregistered56546

I think all of you are a bunch of worthless fags.

fags ourn't useliss to u cuz u like to fuck them!

[Collared Greens]

Originally Posted by caliente

this post is about half true. once a rental car comes back damaged, enterprise sends it to the shop to get repaired immediately, because they run so tight, one car off the road is a shitload of lost revenue. in the mean time, they right an accident report and fax a copy of your rental contract with you declining the enterprise insurance to your insurance company telling them to pay up, you let a rental car get damaged. your insurance company wil then weasel its way out of paying, finding some loophole that they dont owe enterprise shit, and you will hav eto pay for the who thing out of pocket. moral of the story, buy the god damn cdw and tell enterprise to go fuck themselves

What's hilarious about this is that she is going to get her parents dropped by wawanesa. They may just want to pay the 1,000 bucks so they can keep their lower rates. Wawanesa is great as long as you don't have a reckless daughter on your policy.

So far i returned the car, everyone at enterprise has been great. My insurance company obtained a copy of my contract on wed when the accident happened from the san diego regional rep-- b/c wawanesa is in san diego... The adjuster contacted me pretty much right away and just told me that he has the copy, that i will pay the deductible and they will cover all damaged and deal with Enterprise. I was told if i get billed directly to simply send the bill to wawanesa and they will handle it.

All and all, so far, none of the horrible things that i thought would happen have happened. Everyone has been extra pleasant to deal with and the adjuster even said there was no reason for me to get CDW as i am fully covered. I will see if this wave of excellent handling of the situation will continue, i hope it does.

Originally Posted by Unregistered1303

So far i returned the car, everyone at enterprise has been great. My insurance company obtained a copy of my contract on wed when the accident happened from the san diego regional rep-- b/c wawanesa is in san diego... The adjuster contacted me pretty much right away and just told me that he has the copy, that i will pay the deductible and they will cover all damaged and deal with Enterprise. I was told if i get billed directly to simply send the bill to wawanesa and they will handle it.

All and all, so far, none of the horrible things that i thought would happen have happened. Everyone has been extra pleasant to deal with and the adjuster even said there was no reason for me to get CDW as i am fully covered. I will see if this wave of excellent handling of the situation will continue, i hope it does.

It's not enterprise that you needed to worry about, its wawanesa. You're done with them. Have fun finding a new insurance company and paying higher rates. You needed to get an estimate first and then just worry about paying that. If the damages are 650 dollars, you have to pay the $500 deductible and higher insurance premiums with a new company. Wouldn't you just rather pay the extra 150 bucks?

i do not need car insurance in about 10 days-- so i could care less about what wawanesa will do.

Originally Posted by Unregistered1303

i do not need car insurance in about 10 days-- so i could care less about what wawanesa will do.

But your parents do. Maybe they can start taking the bus. How old are you that you were on your parents policy?

Originally Posted by Unregistered1303

So far i returned the car, everyone at enterprise has been great. My insurance company obtained a copy of my contract on wed when the accident happened from the san diego regional rep-- b/c wawanesa is in san diego... The adjuster contacted me pretty much right away and just told me that he has the copy, that i will pay the deductible and they will cover all damaged and deal with Enterprise. I was told if i get billed directly to simply send the bill to wawanesa and they will handle it.

All and all, so far, none of the horrible things that i thought would happen have happened. Everyone has been extra pleasant to deal with and the adjuster even said there was no reason for me to get CDW as i am fully covered. I will see if this wave of excellent handling of the situation will continue, i hope it does.

I am sorry that just about everyone who responded to your post gave you a hard time. You have to understand that most of the Enterprise faithful are bitter about their long hours, horrible pay, and often laughable career advancement with the company.

All you would ever need to do is pay for your deductible. Your car insurance company is obligated to cover damages for the vehicles you drive based upon the policy limits. If you had your vehicle for 55 days or less it would have been beneficial for you to take the damage waiver (assuming $8.99/day and that the damages exceed a deductible of $500). Your parents rates should not go up since YOU were the one who filed the claim and YOU will not be on their policy anymore. Hope this helps you, its a little late.