@Candikane wrote:
A few months back, my car was parked on the street and it was hit. While being repaired I had a loaner car from Enterprise paid for by the insurance of the person who hit my car. When I received the car, they charged ME insurance of $25 on the loaner vehicle (or risk paying for any even minor ding or scratch). Apparently I didn't pay this that day, although I could of sworn I did. I received one phone call from Enterprise (voicemail msg left) requesting I call them and pay the $25. I was under the impression I HAD paid it, wanted to look into it more when I got home, and then forgot to ever call them back.
Now, a few months later, I get a letter from an OCA on behalf of Enterprise, threateneing to report to bureaus if I don't pay.... and it's $50some dollars.
Is it even legal for Enterprise to do this? I never received a bill or anything like that. I never received anything but 1 voicemail message months ago!
What should I do first? Contact enterprise and try to get them to pull it back from OCA and allow me to pay? Dispute it with OCA, or ask for verification? I don't want to pay $50 for something that should be $25, and in all reality SHOULDN'T EVEN BE OWED BY ME! I find it silly that I have to pay when my car got hit (parked) and both myself and the person who hit me are fully insured. Seems pretty stupid. Anyhow, the charge is there and I'd like advice on the best way I can get this cleared up while paying as little as possible. Thanks in advance for anyone who can help!
When I was rear-ended about 5 years ago, the other party's insurance company also paid for a rental car, up to a point. The standard rental was covered, and I believe the LDW as well, but there was the option to purchase additional coverage, such as collison, roadside assistance, and third party injury/property damage. I declined these, because these were already provided by my regular automobile insurance. As cdtotten already mentioned and from how you describe the coverage, it does sound like there was additional collision/all-loss coverage tacked onto the rental.
You will have to look at your copy of the rental agreement to determine whether you accepted or declined the coverage. You'd also have to find proof of payment, if you really think you paid it at the time of the rental. But unless you can find clear evidence that you declined the coverage, then I think you're on the hook for payment. I agree with cdtotten; you should contact Enterprise and see if they will pull it back from OCA in exchange for immediate payment (unless you can find your receipt indicated that you paid). $25 is too small of an amount to let your credit be damaged by a collection account.
Starting Score: 627 EQ, 621 TU - 11/15/08
