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I just totaled my my dads car insurance?

2010-03-20 20:18 | By: mmbokee.com | avcool.info

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I just totaled my my dads car?

my dad is still paying for the car and the insurance is Allstate so can he get a free rental car and does allstate give accident forgiveness to all their customers? the car has full coverage

Best Answer - Chosen by Voters

Bummer, dude.

Not every policy has rental, you must pay extra for it, so "full coverage" does not include a rental.

What you must hope is he owes less than its actual value, otherwise he ends up owing more than the insurance will pay. This happens all the time when people don't put much down on a car.

Good Luck! Even if he has full coverage, rental car coverage is something you have to pay extra for, it doesn't automatically come with it. Most people do purchase it though, your dad would know. Accident forgiveness is only for certain policies, your dad would have had to purchase that specific policy. Alllstate will evaluate what they can of the car and determine how much to reimburse him based on the going rate if you were to purchase that used car now. Sometimes it works out nicely...for example I totalled my car and prior to that the dealership said they would only give me $10,000 as a trade in. My insurance said it was worth 18,500 cause I kept it so nice - I only owed 13,000 - so I had money to left over to put down on a car. Hope it works out for you and your dad.

Source(s):

I've totalled 2 cars and work for an insurance company. Not all Allstate policies have accident forgiveness or rental car coverage. You pay extra for both. Rental coverage is cheap so most drivers choose to carry it - unless they own other cars, in which case they don't since they don't need a rental they can just drive their spare car.

Accident forgiveness is actually offered by several companies, but you pay more for your policy up front for that convenience. So, unless your dad chose to pay more for his insurance in order to get that little benefit his rates are probably going to go up - significantly. Accident forgiveness is only for certain policies, your dad would have had to purchase that specific policy.

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