Exhaust Sytems, Massachusetts Insurance

[Christopher Ritchie]

Patrick Austin wrote:

He's insured in Chicago, and barely spoke any english.  He gave
me a copy
of the rental agreement, his phone #, drivers license #, etc.
He declined
all of the insurace at the rental agency.  The guy was just
plain
clueless...he almost got hit by a snow plow while walking across
the
street.  As in, stepped in front and I had to pull him back
before he got
killed.  From the damage on the Kia, its pretty obviouis he was
in the
wrong, so if he gives me any problems, I'll just sick State Farm
on the
poor bastard.  It doesn't help that my insurance is in michigan,
his
personal insurance is a small company in Chicago and the
accident happened
in MA in a MA rental car.  Plus, the cops were too busy to show
up.  Kind
of muddies the water.

Does anyone know how this works?  I'll call him and ask him for
$600 for an
exhaust system.  If he complains, then I'll deal with insurance
companies.
I just have no idea how massachusetts insurance laws works...


None of this makes any difference.

1. Your Michigan insurance company has offices in Massachusetts.  They can 
handle it, if you choose to go that route.  Of course, you probably have a 
deductible.

2. In Massachusetts, liability insurance is mandatory.  The rental car 
company is required by law to have liability insurance on this car.  
Liability insurance is to protect them and the renter from claims by you for 
accidents in which they are at fault.  If he was renting that car legally, 
there is insurance on it.  Making a successful claim is another story.  It 
is an adverserial situation.

3. When he declined the "insurance" at the rental car counter, he was 
declining insurance that would cover him against damage he did to the rental 
car.  You don't care about that.

4. It was a bad snowstorm that night.  There were accidents all over the 
place.  128, for example, was littered with disabled and damaged cars.  
You're right.  The cops thought your accident was no big deal.

Email me privately if you want to discuss this on the phone.


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