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Repairs aren’t the only cost you’ll incur from an accident. You’ll also need a rental car or other transportation while your car’s being repaired. You might benefit from a rental endorsement as part of your car insurance coverage.
Coverage for a rental car is not part of the core coverage on auto insurance policies. Typically, it is an optional benefit you can choose to add to your policy, through a rider or an endorsement.
If you opt to add rental car coverage to your policy, you will be given some money towards the cost of a rental car while your vehicle is being repaired. Given that there are sometimes multiple people who have to review your auto insurance claim before you can be approved for coverage, it might take several days or more to get your car repaired, which means you could be in a rental for a while. Having rental coverage on your auto insurance can help you cover some or all of that expense.
Goosehead finds the best coverage and cost options to fit your needs.
A declarations page, also sometimes referred to as a “dec page,” is a page from your insurance policy that sums up your policy coverage.
Rental car endorsements are sold based on the amount per day they pay toward the cost of a rental car, and typically provide coverage up to 30 days of needing the rental. A policy that says 35/day will pay a maximum of $35 per day for a rental car, no matter what the rental agency charges. If you end up paying $52 per day for a car, a 35/day rental car endorsement will pay $35 of that cost.
There are multiple levels of coverage available for a rental car endorsement. 30/day, 35/day, and 45/day are all common amounts of coverage you can choose from when selecting a policy, but each company has their own unique benefit selections. You might need a policy that offers more or less coverage than average, which is why it is so important to work with the experts at Goosehead Insurance to make sure you have the right amount of coverage for your needs.
The amount of time an insurance company will cover a rental car depends on the specific benefit you choose. Some companies provide coverage for up to 30 days, while other companies only allow 2 weeks of coverage without filing an appeal.
Other companies limit their coverage by dollar amount instead of time in a rental car. For example, an insurance company might choose to cover a maximum of $750 in rental car costs, at which point you are expected to pay for any additional rental car expenses. Different companies have different amounts of coverage they offer, so consider your options carefully when choosing rental car coverage.
Insurance only covers the cost of a rental car if your car is being repaired due to a covered event. If you have liability only coverage and you hit a pothole, the odds are good your insurance coverage isn’t going to pay for a rental car while yours is being repaired. If you have comprehensive coverage and you hit a deer, your policy will likely cover the cost of a rental car if you have a rental car endorsement.
Not likely, unless the breakdown is related to a claim.If you are facing a small repair or something that can be done in just a day or two, it might be worth calling around to find out if there is a repair shop in your area that offers a temporary vehicle while yours is in the shop. This is a common practice if you get your car repaired at an auto dealership, but many smaller shops also offer this benefit as well. If you don’t want to file a claim for a single day or have opted not to purchase a rental car endorsement this could be a good way to make sure you aren’t stuck without a car while yours is being repaired.
Typically, the driver who is at-fault for an accident is responsible for the rental car costs of the person they hit. This isn’t always easy to determine, however, and if the insurance company comes back to determine both drivers are at fault or that fault cannot be determined you may be responsible for your own rental car costs.
If you have a rental car reimbursement coverage endorsement on your policy it will likely pay for your rental car even if you are found partially or completely at fault. It is important to review your benefits carefully so you know exactly what is covered in the event of an accident.
The contents of this article are meant as general information to help you understand personal lines insurance and not specific to a particular policy. Policies, coverages and discounts can vary by state and insurance carrier. To understand your coverage, you should speak directly with a licensed insurance agent or read your full policy contract. Call your agent or contact us at (833) 779-4090.
Navigating the world of personal property insurance can be overwhelming. How much insurance you really need depends on what assets you lease or own. At the very least, if you own or lease a car, you’ll need car insurance, and if you own a home, you’ll need homeowners insurance. Any other policies you may need to consider above those two are based on your location, assets, lifestyle, and risk tolerance. This guide will walk you through key types of insurance, helping you make informed decisions based on your circumstances.