@jesseessej
If we no longer have the rental, can we removed the totalled vehicle from our insurance?
Yes, generally the day after the rental is returned. You have to have coverage up to and including the last day of the rental period. That said, when you say "remove" it kind of implies you have other vehicles. As long as your policy for other vehicles remains in place, as does the Loss of Use endorsement affording the rental, you probably could've cancelled it the day after the loss occurred. Your insurer will likely backdate the removal if that's the case. But if this vehicle were the sole vehicle on the policy, and the whole policy would be cancelled then the initial statement holds true.
Can we switch insurance companies while this claim is ongoing? They’ve already raised our rates because of the accident (literally the day we reported it) and we’re confident we can find cheaper insurance elsewhere.
That claim should not have impacted your rates until the following renewals, something doesn't add up there. But generally yes. That said, if this claim impacted your rates that suggests you were at-fault and didn't carry Accident Forgiveness, so are you
sure you can find cheaper rates elsewhere?
We still had possessions in the vehicle. Is the insurance company responsible for returning our possessions?
They should've coordinated a date and time for you to gather those possessions, whether before or after moving it. In terms of it being 3 hours away, this may have been a costing saving measure. The ones closer to you may have been looking to charger a fee, or a higher fee than the one 3 hours away was asking.
