Does Your Auto Insurance Cover Rental Cars While Yours Is in the Shop? Here’s How to Check

Rental car coverage can help you avoid out-of-pocket expenses and keep your daily routine on track while your car is being repaired. It can be especially valuable after an accident or when repairs take longer than expected. However, it’s important to note that auto insurance policies do not automatically include this benefit.

Understanding Rental Car Coverage

Rental car coverage, sometimes called rental reimbursement, is an optional add-on you can include in your auto insurance policy. This coverage helps pay for a rental car if your vehicle is being repaired due to a covered claim, such as an accident.

Rental reimbursement coverage typically applies only when your car is in the shop for repairs after a covered loss, not for routine maintenance or mechanical breakdowns. The coverage usually has daily and total limits, so it’s a good idea to review your policy details.

How to Check if You Have Rental Car Coverage

To confirm whether your current auto insurance policy includes rental car coverage, check if your policy includes a section labeled “rental reimbursement” or “transportation expenses.” These typically describe any related benefits, including the conditions and limitations. If coverage is listed, note the specific details, such as the daily allowance, the overall maximum payout and any restrictions on the type of rental vehicle or the length of use. If you find that this coverage is not included, you may want to consider adding it to your policy for an additional premium.

Get Started

If you’re unsure about your current coverage or want to explore your options, our team is here to help. Contact Karla's Insurance Agency, Inc today to learn more about rental car coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.