How does car insurance work? Declined LDW on Car Rental, Got into accident
I live Toronto, Canada and on MAY 8, I reserved a car with THRIFTY Car Rentals at $32 for one day and declined their LDW (loss damage waiver). They ran out of cars and gave me a Dodge minivan which was available for the same price. I used my BMO Mastercard for the car rental (which I thought covered car rental insurance, but only with an add-on for $35/yr, which I DID NOT have before taking the rental vehicle). About 5 minutes of driving the vehicle out of the rental place, I got into an accident with another driver. My minivan T-boned (at about 20-30km/hr) the other car which was taking an improper left turn from opposite road. I was NOT at fault. Both airbags deployed on my minivan and there was damages to front bumper and windshield. I exchanged insurance info with other driver, and the firefighters helped with the scene. No police officers were called in (even though I requested by phone). My minivan was then towed (as well the other person's vehicle) to a nearby collision center (operated by police) where I did some paper work regarding the incident. The collision center estimated the damage to be $6,000. But I suspect the actual cost would be around $10,000. Anyway the same day after the accident, I called in my BMO Mastercard to purchase the car rental insurance for $35. I have yet to open any claims. The rental company is asking me to open a claim with my insurance... but I don't know how to proceed. I had a similar situation last year where I rented out from ENTERPRISES (declined their LDW) and a vehicle hit my car from behind (again I was NOT AT FAULT). I had valid car rental insurance with another credit card at that time. After couple of weeks, Enterprises send me a letter with damage repair bills (est $7000) to be paid by me (or my insurance) but then send me another letter couple of days later stating I am not responsible for the damages because I was not at fault and the other vehicle's insurance would be paying for it. Should I be expecting the same scenario from THRIFTY?