Rental vehicle reimbursement coverage is optional coverage that can cover the cost of a rental car if your vehicle is damaged in a covered accident and you can't be. If the damages are severe enough to justify the need to rent a car, you're likely to file a car insurance claim under your car collision insurance coverage or also under comprehensive car insurance coverage, which includes a deductible. The PAA and Progressive are not responsible for the choices of insurers or coverages, the policies issued, the claims, the content or operation of other people's websites, or how others handle or use your information. You can purchase a separate flood insurance policy from the National Flood Insurance Program or from a private insurer.
For example, international car insurance in Italy requires foreign car renters to purchase the collision damage exemption offered by the car rental company. A mechanical breakdown isn't considered a covered claim, so you'll have to pay for the car rental out of your pocket if you don't have insurance against mechanical breakdowns. Research the countries you plan to visit to learn about each country's specific rental car insurance requirements. No, rental vehicle reimbursement coverage only applies if the vehicle needs repairs or a replacement after a covered event, such as after a car accident or after a tree falls on your car.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. If you accidentally dent someone's vehicle, hit their car door, or scratch another car, the property damage liability coverage under your auto insurance policy can cover the cost of repairs, up to the limit of your policy. Rental vehicle reimbursement coverage is optional coverage that can cover the cost of a rental car if your vehicle is damaged in a covered accident and cannot be driven. Some insurers have relationships with car rental companies that facilitate the reimbursement process, while others may require you to submit receipts separately for reimbursement.
If someone else caused cosmetic damage to your car, for example, they dented your door with their door, your car insurance company may cover the cost of repairing your vehicle. Insurers are leftover line companies and are not backed by any state insurance guarantee fund if they become insolvent. That's why it's best to get a car insurance policy abroad that's specific to the country or countries you're visiting. With authorization, other insurers may allow you to bill the rental car directly to them, but it's less common.
Once fault has been determined, the at-fault driver's insurance company must reimburse you or your insurance company.
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