To get reimbursed for car rental needs, you or the at-fault driver must have rental car coverage. You must also have collision coverage. To get reimbursed for a rental car, you or the at-fault driver must have rental car coverage. You must also have collision coverage for your carrier to repair your vehicle.
If the other driver's insurance company agrees to pay for your rental vehicle, you can usually continue using it until the vehicle is repaired or the insurance company pays you the full value of the vehicle. Keep reading to learn more about when your car insurance will cover a rental car and how to save on full coverage insurance. Some insurance policies may include rental reimbursement coverage, which would cover the cost of renting a car while yours is being repaired. If your insurance company is successful, it will reimburse you for any deductibles you had to pay from the at-fault driver's insurance company.
The amount of rental vehicle reimbursement coverage you need depends on the cost of the rental vehicle in your area. Be sure to keep the receipts for all the amounts you paid out of pocket after your insurer's rental vehicle coverage period ends. Rental reimbursement coverage is relatively inexpensive, but most auto insurance companies require that you take out full coverage insurance to add rental reimbursement. You'll probably have to pay your deductible, but you can always get reimbursed through a third-party insurer later on.
On the other hand, if you are the cause of the accident, you need collision coverage and rental vehicle reimbursement coverage. Drivers can save money on car insurance with full coverage by taking advantage of discounts and increasing deductibles. Your lawyer can demand your property losses and car rental rates, in addition to the losses caused by your injuries. If your car insurance policy includes coverage for car rental costs, you can file a claim with your insurance company to cover the cost of your rental car.