Will Insurance Pay for Rental Car During Repairs?

If you’re involved in an accident, you may be wondering if your insurance will cover the cost of a rental car while your auto is in the shop. It’s a common question, and the answer depends on your particular coverage. Here's what you need to know about getting a rental car after an accident and if your insurance will pay for it.

What Does Car Insurance Cover?

The coverage and limits of your auto insurance policy determine what is and isn't covered by your insurance. Generally speaking, car insurance covers you in the event of an accident and includes certain property, liability, and medical coverage. Depending on the type of policy you have, coverage may include things like collision, comprehensive, and uninsured or underinsured motorist coverage. The coverage you need and the amount of coverage you have depends on the type of policy you have, the state you live in, and your financial situation.

Does Insurance Cover a Rental Car?

Whether or not your insurance will cover the cost of a rental car while your auto is in the shop depends on the type of coverage you have. If you have comprehensive and collision coverage, you may be entitled to a rental while your car is in the shop. If you only have liability coverage, it is unlikely that your insurance company will cover the cost of a rental car. It is important to check with your insurance agent or company to determine what types of coverage you have and if you are eligible for a rental car.

Questions to Ask Your Insurance Provider

In order to determine if your insurance will pay for a rental car, you need to ask your insurance provider some questions. It's important to know what type of coverage you have and if you are eligible for a rental car. Some of the questions to ask include:

What type of coverage do I have?
Does my coverage include rental car reimbursement?
If so, what is the maximum amount I am eligible to receive?
Is there a time limit on the rental car coverage?
Do I need to pay for the rental car upfront and then submit a claim for reimbursement?

If you're unsure about the answers to any of these questions, it is important to contact your insurance provider. They will be able to provide you with the information you need to determine if you are eligible for a rental car.

Final Thoughts

If you've been in an accident, you may be wondering if your insurance will pay for a rental car while your auto is in the shop. The answer depends on the type of coverage you have and what your insurance provider offers. It's important to contact your insurance provider to determine what type of coverage you have and if you are eligible for a rental car. Knowing the answers to these questions can help you determine if you are eligible for a rental car and if your insurance will cover the cost.