thanks to all for your repies/openions on how to go forward after my accident . WHODAMAN , thanks for your offer to help . if i ever get a staight answer from anyone i will share that info with you . the person on the phone refused to tell me who was carrying the insurance coverage . she did however tell me that the car was not rented by the fellow driving it but by the company he works for . she also supplied me with a claim number and a phone number to the adjuster .i called and left voicemail but have had no response so far . i have'nt had a day off and wont untill Cristmas eave so no estimate yet . the company the guy works for is the largest independaent contractor for security and survielance for the federal government ie homeland security , cia , secret service etc. WOW . now that is some luck . any how thanks again and will update occasionally .