here is what happened dB. my mom lied to my father and i and told the both of us it was full coverage without ever telling us the truth. today i went up to the office like you suggested. i talked to the secretary of my agent and she told me i was only insured under liability, nothing else. she called a couple of adjusters and an agent and had to talk to them and even talk to a manager before finding out what was going on.
apparently the other adjuster was faxed the police report a week ago and hadn't even looked at it, nor returned my phone calls for a week. his client (who hit me) told him it was my fault, even though it states it was his fault in the accident with a witness and documentation he was speeding.
since he has full coverage and i only have liability they are trying to say I'm not entitled to a rental car. i argued and they told me i could get one for three days only under nationwide since its not under my contract. It's day 11, and I was promised an adjuster will take a look at it in the next 3 days. my agents secretary told me they were treating me like shit since i only had liability coverage.
hopefully i get close to the $6000 i paid for it if they choose not to fix it.
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