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"Resolving Your Rental Car Claim
If your vehicle is rendered inoperable because of the accident, your first concern (after the health and well- being of you and your passengers) will probably be finding substitute transportation. Unfortunately, most insurance companies are not going to step up immediately and put you into a rental vehicle. You will probably have to use your own credit card to secure a rental vehicle until such time as the other party's insurance company decides to accept responsibility for this expense.
Hopefully you will have Rental Reimbursement Coverage on your own auto insurance policy which will be available to you as a backup to what the other party's insurance company is going to try to pay you. The adjusting technique we will be discussing here is probably about the most often employed by most insurance companies. The other party's insurance company is going to try to limit what they reimburse you in daily rental charges and will refuse to reimburse you any CDW (Collision Damage Waiver) expense you may have incurred. It would not be unusual for the other party's insurance adjuster to tell you 'We only pay $15.00 per day (or some other arbitrary amount) for daily rental charges and we do not pay CDW at all'. That is so wrong and yet is so common. The insurance industry as a whole probably saves billions of dollars annually with this one abusive adjusting technique. By case law precedence, you are entitled to be reimbursed for reasonable costs incurred in renting a temporary substitute vehicle that is comparable to your damaged vehicle. If your damaged vehicle is a Buick Park Avenue, you should not be reimbursed based upon the cost to rent a Geo Metro. Yet, there will be insurance companies that will attempt to resolve your rental reimbursement claim based upon this"

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