Will Insurance Cover Rental Car While Car In Shop
Will Insurance Cover Rental Car While Car In Shop?
Having a car in the shop can be a real pain, especially if you need to get around while repairs are being made. Fortunately, there are options available if you need to rent a car while your car is in the shop. Many insurance companies will cover the cost of a rental car while yours is being repaired. Keep reading to find out how you can go about getting a rental car covered by your insurance.
When Is It Covered?
In most cases, your insurance company will cover the cost of a rental car while your car is in the shop. This is usually the case if the repairs are being done due to an accident or other incident that was covered by your insurance. However, if you are having normal maintenance done on your car, such as an oil change or tune-up, then your insurance is unlikely to cover the cost of a rental car. Check with your insurance company for specifics on what is covered and what is not.
How Much Is Covered?
The amount of coverage you get for a rental car while your car is in the shop will vary depending on your policy and the insurance company. Generally speaking, most insurance companies will cover the cost of a rental car up to a certain amount. This amount is usually determined by the class of car you have. For example, if you have a mid-sized sedan, your insurance may cover the cost of a mid-sized rental car. They may also cover the cost of gas for the rental car, up to a certain amount.
What Else Is Covered?
In addition to the cost of the rental car itself, your insurance may also cover the cost of any additional insurance you need to purchase for the rental car. This may include liability insurance, collision insurance, or personal injury protection. Check with your insurance company to find out the specifics of what is covered and what is not. You don't want to be stuck with a bill for something that you thought was covered.
How Do I Get Reimbursed?
Once you have rented a car and paid for it, you will need to submit a claim to your insurance company to be reimbursed. This usually means filling out some paperwork and submitting it to your insurance company. You will also need to provide proof of payment for the rental car, such as a receipt or credit card statement. In some cases, you may need to provide proof that the repairs to your car were covered by your insurance. Be sure to check with your insurance company for specifics on what documents you need to submit.
Conclusion
If you need to rent a car while your car is in the shop, you may be able to have the cost of the rental car covered by your insurance. However, it is important to check with your insurance company for specifics on what is covered and what is not. In most cases, your insurance will cover the cost of a rental car up to a certain amount, as well as any additional insurance you need to purchase for the rental car. Once you have rented the car and paid for it, you can submit a claim to your insurance company to be reimbursed.
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