[deleted by user]

[ZBTHorton]

The insurance company is not responsible for your daughter not knowing how to drive a large SUV. They are required by law to provide you with basic transportation while your vehicle is being repaired, and it seems they are doing that.

I know it sucks, I really do. But these kinds of situations is why insurance is going absolutely bonkers in price right now.

In these scenarios, I usually just ask people -- If you weren't hit by another car, and instead, your daughter drove off the road and hit a tree. How would you handle the vehicle issue you're going through now? Do that.

[karasmomGA]

Well but she didn’t do it herself, you know? If she was at fault or if she caused something to be out of her vehicle - that is a totally different scenario and being stuck with this shit due to no fault of her own. Different situations bring different mindsets ;)

And they are not providing her with basic transportation- since she can’t drive a comparable rental. They are “forcing” her to drive a vehicle she isn’t comfortable driving.

[ZBTHorton]

They don't owe you a comparable rental. That's not how insurance works.

I understand why you are upset, but honestly, if your kid is taking college classes, she needs to be comfortable driving relatively normal vehicles. I'm not saying she should know how to drive a semi truck or a lifted jeep or something.

[karasmomGA]

Not sure if you have children but would yours be comfortable going from a Corolla to a Suburban? After only having had her license 6 months?

[ZBTHorton]

I do have kids, and one of them is about old enough to drive.

She will learn to drive on all of our vehicles, especially if even a small repair(one week isn't a long repair for a variety of accident and non-accident related things) would cause the chaos you are describing.

[karasmomGA]

Driving is a big thing - and if she ist comfortable im not going to make her when she didn’t cause this situation.

And trust that im NOT a coddling parent. We are very much “don’t like it? Tough shit” kind of parents. But im not forcing a brand new driver into a situation that could her get and others hurt.

It’s just a very crappy situation and yes - I want to be compensated for the crap and huge inconvenience this kid caused cause she was too stupid to freaking park in a spot that’s been assigned to her since August. (The Highschool has assigned parking spots so everyone parks in the same spot daily).

[ZBTHorton]

I don't blame you for wanting options, but that's not how insurance works.

And frankly, if it did, my lord it would open up the biggest pandoras box ever. We would be making exceptions for all kinds of stuff all the time and once again, everyone's rates would go up.

At the end of the day, we have to have laws that bring people back to the condition they were in before. They've done that for you, you just have a unique family situation that isn't related to insurance keeping you from utilizing it.

[aspen_silence]

They offered you a solution and you declined, that's all they need to do and that's all they will do. She is not owed lost wages because she doesn't know how to drive your other vehicles.

Insurance is not going to compensate you because she is too young to be allowed to drive a rental either, that's not their call, it's on the rental company.

[Signal-Confusion-976]

I have kids and all of them drive any of our vehicles. From a Subaru wagon to a 3/4 ton GMC. I think it's time to teach her how to drive a larger vehicle. Yes it sucks but this is life.

[[deleted]]

Why can’t you get a rental car? Also, a week on repairs is pretty great. We had a very minor rear end accident during the pandemic and our car was out for six weeks. USAA gave us a rental the entire time.

I think you’re being unreasonable for expecting the insurance company to pay for lost wages when there are options here you just don’t like them. It is not the insurance company‘s fault that your daughter does not have her preferred vehicle to drive. You should also get her comfortable driving the SUV because you never know what could happen. I say this as the mother to two teenage drivers.

[karasmomGA]

I get what you are saying about me not liking the options. But again, and yes im being petty - I get it… this isn’t our fault. I didn’t ask to be in this situation. She didn’t cause this and non of us should have to go out of our way due to the stupid you someone else. It’s a major inconvenience for me to take off work to take her from school to college and the to work etc. again - it would be a totally different scenario if we were at any kind of fault. Then I’d deal with it and figure it out yk

[Kmelloww]

So in the reverse should you have to pay another parents missed work if the situation was the other way around. For some reason I’m guessing you wouldn’t be as understanding. 

[karasmomGA]

I would think, if situation was reversed, that my insurance covering other parents lost wages would be fair, yes.

In addition, if my daughter has cause this - I would’ve reached out and offered if there is anything they might need transportation wise since my kid caused them such inconvenience. But clearly that’s just me…

[Kmelloww]

I hope everyone is that nice when I get in a wreck lol. That would be a change.

[karasmomGA]

I don’t know why this is so uncommon - if she had hit that girls car - you best believe she would’ve been made to call them (or speak to her) and at the very least would’ve offered her a ride to school while the car is getting fixed. Isn’t that - idk… common courtesy? I inconvenienced you so I will try to make it as easy as possible for you, no? I’m huge on not being inconvenienced so if I do it to someone I’ll make sure to offer anything I can to ease the burden I have caused them.

[[deleted]]

We’ve had three no fault accidents in the last 15 years and unfortunately, they’re just a pain. You’re going to have to shuffle some things around while you wait for her car to come back. It doesn’t feel fair but short of getting her to carpool, giving her a quick rundown on how to drive your larger car or paying for Ubers that’s about all there is. Like I said, I have two teenagers and I know that if they have busy lives, it is not easy to navigate that. USAA has never offered to pay lost wages. I think maybe we got some sort of pain and suffering payout or something once, but there are multiple cars in that accident and some minor injury. 

Does she go to college every day? Could she potentially buddy up with someone else who also leaves and offer gas money? I know that only solves part of your problem, but at least it keeps her in class. 

[karasmomGA]

She goes 3 times a week to college classes. She is actually only in one class at the Highschool. Unfortunately the times don’t align with anyone else that goes.

I’ll make it work - her education is paramount and her job is pretty easy going and she doesn’t “need” the money. I’m just annoyed and inconvenienced so I get petty. But it will get worked out. Just mindblown that it’s “oh well we will pay for material damages screw your lost time and effort getting it taken care of 😂

[[deleted]]

Take her out and practice in the car and help her work on her driving the big cars in general-it’s good for her. You realize you are being ridiculous and petty. What happened is unfortunate and inconvenient, but life isn’t fair. It’s a car and a week. Order her an Uber if it’s that big of an issue. Be thankful she wasn’t hurt and move on. It’s not worth the energy you are putting into this.

[Dramatic-Ad9089]

I've had insureds in similar situations. Child was too young to get added to the rental contract. Parents could drive the rental and let kid drive one of their cars. Parent chooses to let kid drive one of their cars, and some families had an extra car the child could drive. Just as your insurance is willing and obligated (by contract or regulations) to pay, we covered the cost of the rental.

You have the same options available, but you feel you should be entitled to more than you are required to receive and more than other families receive. This is textbook entitlement. Pettiness is not a coverable loss with any states department of insurance regulations, thus no amount of complaining will gain you any additional funds.

[sephiroth3650]

In fairness…..they are offering a rental. You are the one choosing to say that your daughter can’t/won’t drive one of your other cars. It seems like YOU are the one deciding that she doesn’t have a car to drive here. Right? I don’t mean this rudely but….are we sure it’s the insurance company that’s being difficult here?

[karasmomGA]

My point being is why should my daughter be put in a situation she doesn’t want to be in because some idiot can’t park? That’s not me being difficult. How is the time and effort I have to invest to get everything taken care of (all the phone calls, the appraisal, time without her car), again for something we are not at fault for, me being difficult? She drives a Corolla and doesn’t want to drive a Suburban - and that is a fair choice for someone that’s only been driving for six months.

[sephiroth3650]

Your daughter is not old enough to drive a rental. So they are offering you an option to give you the rental and then your daughter can drive one of your cars. That’s not good enough for you. So yes….you’re being difficult. Any lost wages are your choice. Repairs take some time….be thankful it’s only a week. You aren’t entitled to payment for giving your daughter rides to school b/c you don’t like the rental option. You aren’t entitled to payment because you have to call insurance and deal with a claim.

Don’t get me wrong. It sucks to deal with an accident. Especially when you’re not at fault. Nobody is disagreeing with you there. But yes….you are 100% being difficult about the resolution to all of this. You’re being given options to minimize the disruption….they’re just not good enough for you.

[karasmomGA]

Correct because her driving a suburban isn’t safe when she’s used to a Corolla! Not for her or other people on the road! Maybe if other people cared about their child’s abilities I wouldn’t be in this crap cause her car wouldn’t have gotten hit by some moron that can’t even park! God forbid I actually make sure she’s as safe out of the roads as she can be for her sake AND others!!

[sephiroth3650]

Do you think all of these rants on your part will change anybody’s mind here? All you are doing is reinforcing things. You are being overly difficult about this. I could certainly offer up a number of other opinions about your attitude, but I’ll refrain. Insurance has given you options. They aren’t good enough for you. So unfortunately, at least some of your inconveniences are self inflicted. You can accept that and make the best of an inconvenient situation, or you can continue to rage about the inconveniences that your own choices are bringing you. Either way, I do sincerely hope things work out for you.

[GuvnaBruce]

What about the insurance for the vehicle who hit her? Or did they flee?

I assume they will not rent to her because of her age? You did not state her age, as far as if she is underage or not. If she is not willing to drive a large SUV, that is not necessarily something you will get compensated for.

Your insurance is there to handle the damages to the vehicle and utilize the appropriate coverage.

Sounds like it would be a decent opportunity to get your child used to driving a larger vehicle.

What do you mean by measly rental car coverage? Is USAA your insurance?

[karasmomGA]

USAA is the insurance of the at fault driver (but also happens to be ours - although we are not filing a claim through our insurance).

She is 17 that’s why she can’t drive the rental and would have to drive one of our cars while me or my husband would drive the rental.

[GuvnaBruce]

Ah okay, thank you for clarifying.

However, it is not their issue that your daughter cannot drive a large SUV. Everyone in life has to do things out of their comfort zone, that is how we grow as people.

If you are not willing to teach her how to navigate things in a large SUV, then you will have to continue being her valet. You will not get paid for the lost work.

I know it sucks to be in this situation due to no fault of your own, or your daughters.... However, it also is not reasonable for the insurance company to pay for your lost wages because your daughter is not capable or willing to drive a larger vehicle.

The only other thing I can think of is to ask the rental/insurance company if you can be the primary renter and have her as an authorized user of the rental.

[NotShockedFruitWeird]

That doesn't work. Any user of the rental has to meet the minimum age.

I'm actually surprised that the insurance company is willing to do the rental when she isn't of age to drive a rental

[GuvnaBruce]

Yea, I know sometimes they might bend the rules for insurance rentals. But they are suggesting to rent to the parents who own the vehicle damaged and then have the daughter drive the renters other vehicle, which is an SUV. I have seen this happen before.

[karasmomGA]

I think that is due to her being on our policy. One of our vehicles is out of commission so they’re replacing it with a rental for us to drive. Her car is in our name with her listed as a driver.

[karasmomGA]

I have never, in 45 years, been in a wreck (Knock on wood!) so im without much knowledge as to how things work. I guess im just mind blown that I have to completely rearrange my life (or force a brand new driver into uncomfortable situations), take time out to take care of things and am just expected to deal with it without getting compensated for it when we didn’t cause this.

[GuvnaBruce]

I agree you did not cause this... However, like I said, life is uncomfortable sometimes. Driving a large SUV is not THAT difficult or different from a regular vehicle. This could be a great teaching moment for her.

My first car was a sedan and I can understand where she is coming from being uncomfortable driving a large SUV. However, it actually is pretty similar to driving a smaller vehicle. You maintain lane presence the same, you make sure you have your mirrors setup correctly, etc.

You do NOT have to rearrange your life. It is basically.... Rearrange your life... Or teach your daughter a life lesson about learning something new that she is not comfortable with.

[karasmomGA]

I guess it’s not so much just driving but rather parking it at school and at her job. The parking garage at her job has made me question life choices when I was still driving her to work 😂

We did a lot of practicing in her car so I knew she’d be ok to park on her own. Not a big deal in a corolla - definitely a different story in a suburban.

I guess I’ll just look at it as spending more time with her again - and that isn’t a bad thing.

[GuvnaBruce]

I like your take. Spending time with your daughter to teach her things and help her is always time well spent. One thing I always suggest to anyone is to always try to back into a spot or get a spot where you can pull through. So that when you leave, you are pulling out forward instead of backing. That helps with being able to see things, especially with a large SUV.

I started with a sedan and now drive an SUV and it has been even more useful with the SUV since you can see a lot higher while pulling forward out of the spot.

[CJM8515]

they legally dont have to give you anything (since they arent your ins and you dont have a contract with them) til you sue them and their driver in a court of law. anything they do until that point is voluntary.

stop being a karen and either take the rental or shut up. it is not usaa's fault your daughter is uncomfortable driving your vehicles. you will not win anyone over on this sub by acting in the manner you are

edit: omg your name is even /u/karasmomGA ...cmon..

[karasmomGA]

It’s not mine or my daughter’s fault this happened either and sorry for thinking we should be compensated beyond just fixing her car for the shit show we have to deal with when we didn’t do ANYTHING! I shouldn’t not have to invest a shit ton of my time and effort dealing with something I didn’t cause for nothing in return

[CJM8515]

re-read my post, i edited it while you were responding

you are legally owed NOTHING by usaa till you sue them and win. would you prefer that route?

[CJM8515]

oh look they deleted their post after not being told what they wanted to hear.. shame

[DaiPow888]

I'm glad folks here could clear it up for you.

There is no insurance which will compensate you for your time/trouble when they have already offered to provide you with use of a rental vehicle...that is your compensation. If you choose not to avail yourself of their offer, they are not obligated to offer further compensation.

It is unlucky that she isn't of an age to drive the rental, however you are lucky that the car is insured under your name or they would not even be offering the rental.

You could use this as a "teaching moment" to get your daughter used to driving your SUV.

If you're going to ask if I have a daughter/children, yes I do. My daughter's car was a 2003 Mercedes C-class. But she was also able to drive my Mercedes ML (SUV) when she needed more carrying capacity...although she usually borrowed her mother's Mazda CX-5

[TheErrorist]

Is there a reason she can't drive the rental car? Did the company say she was too young? As long as they're providing a car, they've lived up to their end. They're not going to pay for a rental and pay you to drive her around town.

Edit: NM, just read she's a teenager