What’s Covered Under Rental Reimbursement Coverage?
When your car is in the shop or otherwise not drivable due to a covered loss, this additional car insurance can help pay for a rental car. You’ll be covered up to your policy’s limit — after meeting the deductible.
It’s optional coverage like this that can help you to continue on with your busy life after something happens. When it comes to car insurance, rental reimbursement can help you recover and keep the stress to a minimum — even with alternative transport options in addition to renting from rental car companies. Here are some of the main reimbursement benefits you’ll get with this important coverage:
- Rental car costs
- Ride share services
- City busses
- Light rail
- Commuter trains
Who Pays for a Rental Car After an Accident?
If you find yourself on two feet instead of four wheels, your rental reimbursement coverage can help pay for the cost of a car rental when your car’s damages are covered by your comprehensive and collision coverage — for instance, if your car has been damaged in a car accident, by severe weather, theft or vandalism.
There are two options when using your rental reimbursement coverage:
Approved provider. We’ve developed relationships with many rental car providers across the US. When you elect to rent from an approved provider, you can have them bill your insurance company directly.
Business of your choice. If you rent a car from the business of your choice, you’ll pay for the cost up front and submit receipts and a claim form in order to be reimbursed for the cost to rent the vehicle.
Typically, there is a per-day and per-accident limit for your rental reimbursement coverage. This means your insurance policy will pay a certain amount per day for a rental vehicle while your car is in the shop, and once you’ve reached the per-accident limit, the coverage will end.
So, if you’re expecting repairs to take a while, it would be wise to choose a lower-cost vehicle to make sure your coverage doesn’t run out before the vehicle is repaired.
Keep in mind, though rental reimbursement coverage is a life-saver in most cases, it doesn’t cover a rental if your car is in the shop for normal maintenance or repairs.
Why Do You Need Rental Car Coverage?
Not convinced you need this coverage? Consider these reasons why adding it to your auto policy is a great idea:
- Daily rental costs add up fast, and your car could be in the repair shop for up to two weeks.
- A year of rental reimbursement coverage typically costs less than a one-day car rental.
- You choose the level of coverage that works for you. That means you can drive a vehicle that’s just right for your unique lifestyle!
Trusted Partnership With Rental Car Agencies
Because we believe in providing the very best service and support, we’ve partnered with Enterprise Rent-A-Car to give you the experience of two trusted brands working together to keep you on the road.
Get Auto Rental Reimbursement Coverage Covered Today!
When it comes down to it, putting your dreams on hold is not an option. The right time to get Auto Rental Reimbursement Coverage is before you need it — and your American Family Insurance agent can help! Connect with them to add this smart protection coverage to your auto policy.