My son totaled a car on my policy. It was not his fault, it it was a single car accident on a very icy and slushy day in late December on the state highway. It had collision coverage on it but not rental coverage. Using the carrier's own approved collision repair center it took two weeks to get an appointment. We bring the car in 1/13 The insurance company gave us the appointment date for appraisal. My son at the body ship Enterprise delivered a rental but he paid out of pocket. Enterprise offered the insurance company discounted rate but asked about claim. He said he is paying out of pocket because he's not the policyholder and it's not covered under the policy. They gave him the lower rate anyway. He paid the collision damage waver which was another $xx/day rider on the rental. Nothing bad happened to the rental car. He books a 12 day rental waiting for car to fix. He is also shopping for a new car. A few days later ins. co. calls me and says they heard from the body shop and damage may total the car. They need to send an adjustor to look it over and assess condition then use a 3rd party car valuation service. Didn't you already do that? No. Time passes. A few days later get another call we are sorry your car is in fact totaled the value of repair is 95% of car value, valuation we got is $5,xxxx. A tad lowball but reasonable. Within a couple hundred of my opinion. I said OK. Now I have to meet the guy at the body shop a few more days later to sign over power of attorney, on his schedule, and receive the payoff check. More time passes. By now it is 1/20 I meet the guy in his appointment date, get and deposit a paper check. I have a email from insurer saying car is totaled you may remove car from policy so I do it on 1/20 and list date of casualty, 12/30. Get another email from insurer. We see you removed the car from policy. Do you have a rental in relation to the claim? If Yes please wait until Enterprise gets its car back. In the meantime we have not removed the totaled car from your policy. OK sure, whatever you say. Time passes. The 12 day rental ends, son extends it another few days while dealership is prepping his new car. Enterprise is fine with it. He's the one doing the renting. It's an out of state dealer meaning dealer has delivered new car to our driveway then ferries a couple of dealership guy to the town hall for the tax/registration. Typical New England stuff. On 1/29 the paperwork is done. Enterprise rental is returned intact. I go online yet again and cancel remove the car again. 1/29 is a Wednesday. Friday evening a message is left on office phone bright and early followed up by an email. Please call Joe at your convenience about cancellation on the car policy, have you returned the rental car? Bright and early Monday morning I see the message light and call Joe. Now is is February 3. Did you have a rental and was the rental returned? Yes, and yes. I have also removed the car from my policy, twice. What day did you return the car? On January the 29th, sir. But I want you to remove the totaled car retroactive to the date of the casualty, which is last Demember 30. Not so fast, says Joe. Your policy although it didn't cover a free rental car, did cover your liability for rental car COLLISION and you were covered until Enterprise got its car back. Joe is very polite but you can see where he is going with this. He wants me to keep paying the insurer. That is fascinating Joe, I appreciate my excellent insurance policy. However my son rented the car, not me, and he paid out of pocket. It's on his signature and his credit card. He is completely severed from my policy coverage on the rental. He also paid the CDW so he is covered by Enterprise's insurance carrier during the rental. The car rental was not part of this collision claim in any way. He happened to need a rental car while he was shopping for a new car. Joe, the car was totaled on the day of the accident. You told me the collision totaled the vehicle so coverage and premium ends retroactive to December 30. If I had paid extra for a rental car rider we would not be having this conversation, but neither did you pay for the car rental. My records show I tried to remove the car twice already but you held it on my policy at your convenience including until this phone call. Joe then asks asks is your son adding his new car to this policy? No â€” my son is not on this policy, he bought his own car, and insured it on his own with another insurance company. [He used to be on it but I removed him in 2010 when he joined the Navy. They still had his name as occasional driver but not on the paperwork]. At this point I said Joe let's keep this simple I have heard from you, answered your questions, and I am going to explain my position. The car was totaled at the very end of 2019. I brought the car into your shop on your timetable in good faith hoping for some body work and paint but instead you totaled the car. Your call I had no say in it. . Fine. I kept all the appointments you set including your two week delay in appraising it but when I handed the keys to the body shop, I never saw the car again. The only time car was driven in 2020 was to the body shop, but you could have just as easily sent your guy to my house for the appraisal the day after the collision. An experienced eye knows a totaled car. I want the car entirely removed from my policy effective 12/30, and when I look at my 2020 insurance premium bill I do not want to see that car on it whatsoever. Now, please quote my adjusted 2020 premium minus that vehilce and how much you are taking off for that car. But before you do that please check your records including all the appointments, dates and delays, that your match my records and my notes. Please also check my two prior attempts to delete the vehicle from the policy, both of which were reversed by your company. They did agree to that. They took about $500 off my policy and car is gone for 2020. It should have been a lot easier than though. It was never adversarial but I thought Joe was fishing. I wonder what I could have handled differently or if I should add rental coverage.