Alamo Recovery Unit Claim

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JGB

Jul 8, 2020
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Back in November, 2019 I was driving an Alamo rental car and I did happen to be rear ended while waiting at a red light. Inmediately, I contacted Alamo Car Rental and notified them about the incident. Upon returning the car that evening, I also let the the clerk receiving vehicles aware of the incident. He took a look at it and told me not to worry, that is was a minor thing that the Alamo repair unit will be able to buffed it up. To my surprise, after a couple of weeks I receieved a letter from Alamo Recovery Unit with a claim and charges of almost $5,000 for the car repairs. I had contact Alamo Recovery Unit and explained them that it wasn't my fault, that I did have a police report from the incident available and the at fault driver insurance and contact information. They told me to provided them with that information, that they will go after the at fault driver in order to collect for the car repairs. Well, so far there have been three different recovery unit specialist assigned to my claim and no one has been able to resolve it. They keep coming back at me with the charges and threaten to take it to a collection agency. Should I go after the at fault driver insurance and file a claim on my own? I have notified my own insurance company about the incident but I'm not in a situation to pay for a $500.00 deductible at the moment. Any recommendations on how to dispute and resolve this claim will be really appreciated. Thanks!!!
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
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www.promalvacations.com
You are responsible for the damage if you didn’t buy insurance from the car rental company. If they cannot collect from the person that hit you, you are responsible for the car damage. You may have to pay the damages and sue the person that hit you.If you check your rental agreement, you probably see a paragraph that tells you that

Dud you check with the credit card you used to see if they offer any insurance on a car rental?

The first thing I would suggest is requesting a copy of the invoice for the damages and see what they are charging you for.Make sure they are only charging you for the actual damages. I’m betting you’ll see loss of use charges that you can try to negotiate.

If the credit card doesn’t offer insurance, I’m afraid you need to go through your insurance whether you can afford the deductible or not.
 
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JGB

Jul 8, 2020
10
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51
You are responsible for the damage if you didn’t buy insurance from the car rental company. If they cannot collect from the person that hit you, you are responsible for the car damage. You may have to pay the damages and sue the person that hit you.If you check your rental agreement, you probably see a paragraph that tells you that

Dud you check with the credit card you used to see if they offer any insurance on a car rental?

The first thing I would suggest is requesting a copy of the invoice for the damages and see what they are charging you for.Make sure they are only charging you for the actual damages. I’m betting you’ll see loss of use charges that you can try to negotiate.

If the credit card doesn’t offer insurance, I’m afraid you need to go through your insurance whether you can afford the deductible or not.
Thanks for the reply Neil!!! Alamo Recovery Unit is definetely charging for both, car repairs (way overinflated) and loss of use charges. Just talked to the CC company and they include car rental collision coverage in their benefits. Things it was supposed to be reported within 60 days of the incident and Alamo took forever to try to collect from the At-Fault driver. I hope we can still work out something with the CC. One more time, thanks for your reply and time. It's very much appreciated!!!
 

smd

Mar 14, 2018
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I suggest you directly contact the insurance company of the person that hit you and ask them how they want to proceed. Usually they will want to take the lead on negotiating the damages, loss of use, etc with the car rental company.

We have seen many problems in the past with trying to interpose your own insurance or credit card insurance. While they generally have paid repair costs, they rarely cover loss of use and other charges. Alamo will continue to pursue you for these damages. In addition, you will have to pay the deductible. You will still need to approach the other person's insurance company to recover these costs, and this is now complicated by your insurance company also approaching them to recover the amount they paid. It becomes a big mess.

If the other insurance company does take the lead, be sure they get a letter from Alamo releasing you from liability for all damages associated with the incident.
 

JGB

Jul 8, 2020
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I suggest you directly contact the insurance company of the person that hit you and ask them how they want to proceed. Usually they will want to take the lead on negotiating the damages, loss of use, etc with the car rental company.

We have seen many problems in the past with trying to interpose your own insurance or credit card insurance. While they generally have paid repair costs, they rarely cover loss of use and other charges. Alamo will continue to pursue you for these damages. In addition, you will have to pay the deductible. You will still need to approach the other person's insurance company to recover these costs, and this is now complicated by your insurance company also approaching them to recover the amount they paid. It becomes a big mess.

If the other insurance company does take the lead, be sure they get a letter from Alamo releasing you from liability for all damages associated with the incident.
Thank you very much for the valuable information and time. Please see attched file. Alamo Damage recovery unit wants $4, 328.45 to fix that. :oops:
 

Attachments

JGB

Jul 8, 2020
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You needed to report it as soon as you were notified by Alamo.
The reason I didn't report it to the CC right away was because Alamo Damage Recovery Unit told me they'll go after the At-Fault driver to collect the charges. To this day, three different Alamo Recovery Unit "specialist" has been assigned to the case and nothing. I'm wondering if I should write to the "Executives offices" and let them know about my situation.
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
23,366
23,327
113
New York
www.promalvacations.com
Unfortunately, just as if you had a car accident, you always need to report an accident to your insurance company even though there might never be a claim.

I second smd’s suggestion of you contacting the other drivers insurance.

You also should fight Alamo about that bill because I’d want to see what they are charging you for. You can try to negotiate the loss of service charges by asking for the proof of loss from Alamo. That charge is often overinflated and can be negotiated.

Go to our company contacts page and find the contacts for Alamo and write to the first executive.

This is how to write:

 
Sep 26, 2017
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The reason I didn't report it to the CC right away was because Alamo Damage Recovery Unit told me they'll go after the At-Fault driver to collect the charges. To this day, three different Alamo Recovery Unit "specialist" has been assigned to the case and nothing. I'm wondering if I should write to the "Executives offices" and let them know about my situation.
Do you have this in writing from Alamo Damage Recovery Unit? If so, this should support your claim to your CC and explain why it wasn't submitted sooner. If I were you, I'd try this before contacting the at-fault driver's insurance. If your CC is willing to take charge of the issue and coordinate between Alamo and the at-fault driver's insurance, that would be much less headache for you.
 
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smd

Mar 14, 2018
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Thank you very much for the valuable information and time. Please see attched file. Alamo Damage recovery unit wants $4, 328.45 to fix that. :oops:
That's just a plastic cover. There are parts underneath that are designed to crumple in order to protect you from the crash. So it is possible there's more damage, even if the cover looks minor. Plus I'm sure they've larded on decrease in value, days out of service, etc.

This is what insurance adjusters are for. If the other guy's insurance has accepted liability, let them fight this out.
 
Jun 12, 2019
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Thank you very much for the valuable information and time. Please see attched file. Alamo Damage recovery unit wants $4, 328.45 to fix that. :oops:
It has been over 10 years since I wrote my last estimate but this is what I am seeing. The deck lid is damaged near the corner. It would be hard to repair that dent without access to the other side. Most deck lids are double paneled, so they may have to replace the whole part. Like SMD said, the bumper cover is just that, a cover. Most shops prefer to just replace the bumper because repairing a bumper cover is alot of effort but the book time is so low. More than likely, they sent the bumper to be re manufactured, fancy way of saying swapping bumper cover or having it repaired off site. Behind the bumper is the asorber, usually foam or plastic and then the reinforcement bar. If the asorber and reinforcement bar is damaged, the only thing they can do is to replace the parts. The whole bumper assembly is connected to the rear repair panel and is supported by the rear frame. If the rear repair panel is damaged, the frame might need straightening. The 5k price tag does not seem too outrageous if any of these conditions exists.

At the end of the day, Alamo is going to take the easiest route to recovery. Since you signed the rental agreement, they will come after you for damages that are not paid by the other insurance company. They don't have to deal with the other insurance company if it will be difficult. Your options are to report it to your insurance company and credit card and pay for anything out of pocket. You may then make a claim for all of your expenses with the other insurance company, provided that there are no limits issues. Your insurance company and credit card company will also subrogate for monies paid out. If there is still expenses that are not reimbursed, the final option is to sue the other driver in small claims to recover the last of the money that you paid out. Kind of unfair but the rental car company does not want to go through that process.
 

JGB

Jul 8, 2020
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Do you have this in writing from Alamo Damage Recovery Unit? If so, this should support your claim to your CC and explain why it wasn't submitted sooner. If I were you, I'd try this before contacting the at-fault driver's insurance. If your CC is willing to take charge of the issue and coordinate between Alamo and the at-fault driver's insurance, that would be much less headache for you.
Yes, I have saved emails exchanges between the Alamo Damage Recovery Unit and me. Thank you very much for the recommendation and your time.
 

JGB

Jul 8, 2020
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Unfortunately, just as if you had a car accident, you always need to report an accident to your insurance company even though there might never be a claim.

I second smd’s suggestion of you contacting the other drivers insurance.

You also should fight Alamo about that bill because I’d want to see what they are charging you for. You can try to negotiate the loss of service charges by asking for the proof of loss from Alamo. That charge is often overinflated and can be negotiated.

Go to our company contacts page and find the contacts for Alamo and write to the first executive.

This is how to write:

Thanks Neil!!!
 

JGB

Jul 8, 2020
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I went ahead and contacted the At-Fault driver insurance company. They collected all the information pertaining and recorded a statement from me indicating how the incident ocurred. Supossely and adjustor will contact me to follow up. Let's see, thanks all for your inputs.
 
Nov 22, 2019
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I went ahead and contacted the At-Fault driver insurance company. They collected all the information pertaining and recorded a statement from me indicating how the incident ocurred. Supossely and adjustor will contact me to follow up. Let's see, thanks all for your inputs.
Great,
I got a similar accident a few years ago and the other insurance was fast to reply, it seems nothing has been done so far in your case. I think the rental company didn't care much who was at fault and just wanted its money, from you was the easiest way. Make sure to keep the rental agency updated so they don't send the bill to collection.
 
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JGB

Jul 8, 2020
10
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Well guys, I wanted to give you an update on how things are going. I heard back from the other party insurance adjustor that supposely handles the At-fault driver Mom claims. Adjustor says the driver that rear ended me isn't included as part of their coverage, therefore supposely I can't file a claim against him. Mom doesn't want to take care of vehicle damage charges. Adjustor mentions Alamo Recovery Unit specialists never contacted them before about this case, and the Alamo RU specialist contradicts it, go figure!!! I don't understand how to this day there are adults giving this kind of examples to their kids.
 

Neil Maley

Moderator
Staff Member
Advocate
Dec 27, 2014
23,366
23,327
113
New York
www.promalvacations.com
You may have to sue in Small Claims Court. Ask your car insurance company what your options are with this.

If it were me, I would use our company contacts and write to the first executive with Alamo and tell them about your call to the other insurance company But ultimately, you are the one Alamo is going to go after for recovery.

You should contact your car insurance company and give them this information. But unless the credit card insurance will take the claim at this late date, you are going to have to go through your car insurance if you can't afford to may Alamo.

Sorry this happened.
 
Jun 12, 2019
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Well guys, I wanted to give you an update on how things are going. I heard back from the other party insurance adjustor that supposely handles the At-fault driver Mom claims. Adjustor says the driver that rear ended me isn't included as part of their coverage, therefore supposely I can't file a claim against him. Mom doesn't want to take care of vehicle damage charges. Adjustor mentions Alamo Recovery Unit specialists never contacted them before about this case, and the Alamo RU specialist contradicts it, go figure!!! I don't understand how to this day there are adults giving this kind of examples to their kids.
The driver is listed as an excluded driver. The mom did that so that he will not need to be rated as a driver on their policy. I would call your insurance company to see if there is uninsured motorist property damage, or collision waiver on your own policy. This will take care of the deductible and the damages to the rental. You are still on the hook for loss of use and admin fees, that is something you will need to try to collect from the driver. Since you will be filing a claim, see if your insurance professional can run Carrier Discovery or other queries to find insurance for the driver.

Just because the mom does not want to take care of the damages, it does not relieve her of that duty. It is her vehicle in which she gave permissive use to the excluded driver to drive. It may not be explicit permission but barring a stolen vehicle report with the driver being prosecuted, permissive use is presumed. You can mention to the owner that you intend to go to small claims court and she will be responsible., You are willing to settle for your out of pocket costs. Maybe that will induce her to pay without going to court. Your insurance company will then see if they want to go after her for the portion they paid out, but that is between your insurance company and her. In my state, high risk drivers have to file an SR22, meaning that they have to have insurance on file and the insurance company can't cancel their policy without notice to the state.

Alamo will not want to deal with all of the above and find it easier to just come after the renter, so I think you may need to involve all sources of help on your end. Inform your insurance carrier, inform your credit card, call the recovery unit and negotiate the amounts that the insurance is not paying.
 
Feb 25, 2020
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Well guys, I wanted to give you an update on how things are going. I heard back from the other party insurance adjustor that supposely handles the At-fault driver Mom claims. Adjustor says the driver that rear ended me isn't included as part of their coverage, therefore supposely I can't file a claim against him. Mom doesn't want to take care of vehicle damage charges. Adjustor mentions Alamo Recovery Unit specialists never contacted them before about this case, and the Alamo RU specialist contradicts it, go figure!!! I don't understand how to this day there are adults giving this kind of examples to their kids.
Usually, unless that driver is specifically EXCLUDED from the policy, they are afforded coverage if they have been given permission to drive the vehicle. I would assume Mom did not report her vehicle as stolen by one of the kids. Probably she is just trying to get out of paying th insanely high rates you have to pay for young adults under your auto policy. It would not be unusual, many parents try to get away with it. I would let your own insurance company handle it. Yes, I know you will have to put the deductible out of your pocket, but THEY will then fight with mom’s insurance company for subornation and hopefully you would get anything you put out of your pocket back.They will also be the ones dealing with negotiating about loss and use, which is one of the things you are paying your insurance company for. They have the expertise, let them use it.
 
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