Did she wait too long to file a damage claim?

fast carQuestion: I recently rented a car from Budget in Ontario, Calif. When I returned the vehicle, a representative claimed that I scraped the bottom of the front bumper on the passenger side of the car.

I did not cause this damage and told him I wanted to dispute the claim. He gave me a form to complete and told me not to do anything — including notifying my insurance company — until I heard back from Budget.

I received a letter from Budget in February, stating that I would be held responsible for the damage. I immediately notified my credit card insurance company, through which my rental was covered.

To make a long story short, my credit card company is denying the claim because it was filed on the 46th day after the incident, even though I filed the claim the same day that I was notified I was being held responsible.

When I called the Budget facility directly, the manager told me I needed to find out why the Budget claims adjustor, who is a contract employee, didn’t notify me until 6 1/2 weeks after the incident, saying that I should have been notified within 3 to 4 weeks.

My take on this is that the Budget claims adjustor took what should have been a viable claim and negated it by not following the timeline Budget has for notifying customers. I’ve filed an appeal with my credit card insurance, including a timeline of events. Any advice you could provide would be gratefully accepted. — Susan Young, Lopez Island, Wash.

Answer: I’m suspicious about a few items in this claim.

First, there’s the mysterious damage to the bottom of the front bumper. I’m not saying the bill was bogus, but I’ve handled many car rental damage claims where an employee discovered previously unseen damage to either the underside of the vehicle, or the roof.

Second, there’s the lag time between your return and your claim. A damage claim should be sent in within four weeks or less. What took Budget so long?

Add that to the directions you received on the damage claim, and I had little choice but to ask Budget to review your case. I’ll have the outcome in just a second.

But before I go there, I have a little advice for you. Always, always take a photo of your rental car before you rent it and afterwards. These will prove (or disprove) and damage claim. Car rental companies ought to be photographing their cars, anyway, and thankfully, some are.

Also, if you believe there might be a damage claim – even if it’s not your fault – you’ll want to notify your insurance company immediately when you return a car with reported damage. Your credit card requires you to report any claim within 45 days. The contract employee you spoke with was incorrect.

Budget dropped its claim against you.

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