Car Accident 650 miles from home. Options for getting my car home after repair?
Just trying to see if I have any options here in a unique situation.
I live in Pennsylvania and carry PA insurance (Penn National). I was in an accident in a very rural part of northern Michigan, and the other driver was found 100% at fault according to their and my insurance company. They're insured with Allstate.
Because Michigan is "no-fault state", my own collision coverage is handling the repair minus my $250 deductible, which is covered by Allstate as a result of Michigan's mini-tort and no-fault laws. Allstate confirmed the mini-tort only covers my deductible, and nothing else.
The car is being repaired in Michigan where the accident occurred, about 650 miles from where I live. Essentially, I am trying to figure out the cheapest and easiest way to get my car home.
I can get a rental car and drive it back to Michigan, but the closest rental car company is an hour from the shop, and there are very few (maybe zero) Ubers/Lyfts that far out. So to retrieve it, I'm looking at a flight or a long drive, a hotel, gas, some kind of hour-long ground transportation to reach the shop, and two days of my time, all out of my own pocket, for a wreck I didn't cause. I don't say this to sound entitled, but rather to provide context to my situation. I'm also considering shipping the car (around $700).
My questions:
- Is there any way to recover the travel, lodging, and time costs of retrieving the car from either insurer? I've asked them directly, and they seemed sympathetic, but told me not in this case.
- As a PA resident with a PA-insured vehicle, do I have any options that a Michigan state resident wouldn't regarding having either insurance company pay to help me get the vehicle back?
- What's the smartest way to handle the actual retrieval: ship the car, fly out and drive it back, or use the rental with a second driver?