accident in uhaul with CDW - now in collections! Help!
Date: Tue, 07/24/2012 - 09:06
Hello,
I just received a call from a debt collector at NCO and I was very much surprised. Last year I moved and rented a Uhaul Cargo van and asked for the maximum insurance. Turns out they only have CDW available for the cargo vans...of course they didn't inform me of this and I rented the Uhaul thinking I was insured. I was in a small accident where the uhaul bumped into the trunk of another car. I gave him all my information to the driver and the police. I followed up with the other driver's insurance company (State Farm) after since I never heard anything. They advised me to wait as the claim had not been processed. I waited but never heard back. A year later after never receiving mail notifications I received a call from a debt collector saying I owe almost $4,000! I have no idea why I was never contacted. They are claiming that I owe the money. Is there anything I can do? Seems like it should be illegal to not offer more insurance on the uhaul. Is that really my fault? I only rented the uhaul because I do not own a car or have car insurance. What can I do in this case?
One other thing is that NCO sent me a letter stating they are requesting the state of Illinois to suspend my drivers license. Is this merely a scare tactic?
Thanks for any advise! I cannot afford to pay this back at all.
-Josh
I just received a call from a debt collector at NCO and I was very much surprised. Last year I moved and rented a Uhaul Cargo van and asked for the maximum insurance. Turns out they only have CDW available for the cargo vans...of course they didn't inform me of this and I rented the Uhaul thinking I was insured. I was in a small accident where the uhaul bumped into the trunk of another car. I gave him all my information to the driver and the police. I followed up with the other driver's insurance company (State Farm) after since I never heard anything. They advised me to wait as the claim had not been processed. I waited but never heard back. A year later after never receiving mail notifications I received a call from a debt collector saying I owe almost $4,000! I have no idea why I was never contacted. They are claiming that I owe the money. Is there anything I can do? Seems like it should be illegal to not offer more insurance on the uhaul. Is that really my fault? I only rented the uhaul because I do not own a car or have car insurance. What can I do in this case?
One other thing is that NCO sent me a letter stating they are requesting the state of Illinois to suspend my drivers license. Is this merely a scare tactic?
Thanks for any advise! I cannot afford to pay this back at all.
-Josh
You need to request validation of the debt in writing from NCO.
You need to request validation of the debt in writing from NCO. That's step 1.
Have you received anything in the mail since this call?
