Asklemmy

I was rear ended a couple of months back on the freeway. 100% not at-fault and I have the dashcam video to prove it. Anyways, I submit a claim through my insurance and I specifically asked what I should do about a rental car while mine was in the shop. I was told over the phone that if I was able I could book a rental car on my own and just submit the receipt, they will reimburse me and recover damages from the other driver's insurance.

So, that's what I did. I booked the rental car and after I returned it I submitted the receipt. A few hours after uploading the receipt through the claims portal, They called to inform me they weren't going to reimburse me for the rental, and that if I wanted it to be paid back I had to submit a claim directly through the other driver's insurance. So, I gave them a call.

The other driver's insurance told me they absolutely weren't going to pay for my rental car since they were already way over the property damage minimums on the policy.

So... I guess now I have to file in court against the driver directly and probably wait years to get reimbursed from someone who probably has no money to pay me anyway, just racking up more and more in court fees compounding my losses. Any attempted conversation with my insurance about how they outright lied to me just goes to an echo chamber. Emails get no response, Voicemails go unanswered, I even let my agent know about this and he followed up on my behalf. Nothing, no communication or response at all. They're just hoping I give up it seems.

State farm customer for 15 years, no claims, no tickets, always paid premiums on-time and in full. This was the first time I so much as called them. Right out the gate I get screwed over. Time to find another provider.