My own insurance policy covers a rental vehicle. Should I use it, or just rely on the insurer for the owner at fault?

A:

There are several good reasons and usually no downside.

1. Your own company might move faster
2. Your own insurance company might pay more
3. The insurance companies settle-up between themselves later, and your insurer will almost certainly get its money back from the insurance carrier of the owner at fault
4. Your policy requires you to report accidents, so you might as well compare what your insurer will do in comparison with the insurance company of the owner at fault