my truck was hit while it was parked in front of my house over night and is not drivable the insurance company of the guy that hit me said they will s

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 18, 2011

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Insurance Question from Buffalo, NY

Asked on 10/18/2011

my truck was hit while it was parked in front of my house over night and is not drivable the insurance company of the guy that hit me said they will s the driver insurance company said they will supply a rental and i told them i want a truck for the things i do as the reason i had a truck they told me they would only cover a eccom car as the owner of a pick truck all my life now in in this little toyota car 1 day of driving and i have hit about 8 curbs should they give you something close to what you have or what can i do so they will cover a truck or atleast a suv

Answer given on October 18, 2011

When you are involved in an auto accident, even while your car is parked, the insurance company for the other party is required to provide a rental car while your vehicle is being repaired. However, they are not required to give you an equivalent vehicle during the repairs, only a basic replacement vehicle.Your inability to drive a smaller vehicle is not the responsibility of the other insurance company. You need to be careful while driving this vehicle, since the other insurance company will not be responsible for any damages you create to the replacement vehicle. You could try to work out a bigger vehicle due to your needs for a larger vehicle for your everyday use, but your inability to handle the smaller car will not substantiate your claim.If you have collision coverage on your vehicle with your insurance company, and rental car reimbursement, you may be able to get a better replacement vehicle. You should contact your insurance company or agent and see if you have any coverage available under your policy.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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