Exit7A

Unfortunately my 2019 E was in an accident in early Jan. To make a long story short I've been told a part won't be available until May and my car is at a Mercedes dealer until then. Dealership has to be involved due to the complexity of the electronics. My insurance co has ended my rental days, and I'm without a car. Dealer says no rental because "I didn't make an appointment" and "Insurance is paying and I'm not." When asked if this happened based on a normal failure would I get a loaner, they said yes. The amount of the payment they are getting is into the thousands. Has anybody ever been in a similar situation waiting on a part? What has the dealer or MB USA done, if anything?

jhpmbusa

Call the CAC and complain, maybe you can even move to a different dealership that is willing to give you a loaner to do the work, obviously you might have to pay for the tow, but doubt they would like to lose the work. Also, maybe the MBUSA CAC department can figure something out for you - they should not be selling cars in the USA if parts aren't available till MAY to fix, not tolerable by any standards, sound like u can even maybe sue if you have to pay out of pocket for your own rental, but obviously that would require some work/money and stress.

TugboatBill

Insurance companies do this all the time. They say their "policy" is only X days rental. Usually you can push back hard and they will cave. If your state has a insurance commissioner a threat to go there can help.

cetialpha5

Isn't that a question of who was at fault? If it wasn't your fault, I guess you could make the other insurance company pay. If it's your fault, they can just say you only paid for 30 days worth of rentals.

TugboatBill

If that's on the policy then yes, you would be limited per the policy. Still would be worth pursuing.

ua549

That depends on where TugboatBill resides. Florida is a no fault state and I believe there are others. In a no fault state each party make claims to and is covered by their own insurance.

cetialpha5

I am also in a no fault state, but when it's the other driver's fault, the insurance company doesn't really push back on the length of the rental because the other insurance company will eventually foot the bill. You just say things like, I want to be made whole.

petee1997

No fault insurance is your insurance pays for the repairs and they waive the deductible if you are not at fault. They do not collect from the other guy's insurance. This was instituted to save on all the legal costs of collecting from the other guy. We have that system in Ontario.

cetialpha5

Here I believe they just pay the claim, but then do subrogation to get reimbursed by the other insurance company.

Mbracer26

If they are paying for a Mercedes which is much more expensive, have them pay you directly and rent a econobox and spread out the payments. If the other insurance is at fault, make them pay it. In my state I can take my car to whoever I want. Call other dealers and ask about the part, they might be lying to you.

nycebo

Exactly this.