Will Insurance Pay For Rental Car During Repairs
Car accidents and breakdowns are never pleasant experiences, but they can become even more inconvenient when your vehicle needs repairs, leaving you without transportation. In such situations, many people wonder if their insurance will cover the cost of a rental car. Explores the various aspects of rental car coverage during repairs, so you can make an informed decision in case you find yourself in this predicament.
What Is Rental Car Insurance?
Rental car insurance, also known as rental reimbursement coverage, is an optional add-on to your auto insurance policy. It is designed to cover the cost of renting a vehicle when your own car is undergoing repairs due to a covered accident.
Types of Rental Car Insurance
There are different types of rental car insurance you can consider:
- Collision Damage Waiver (CDW): Often offered by rental car companies, this option covers the cost of repairs to the rental car itself.
- Liability Insurance: This type of coverage helps pay for damage to other people’s property or injuries in case of an accident involving the rental car.
Does Your Personal Auto Insurance Cover Rental Cars?
Your personal auto insurance policy may offer some coverage for rental cars, but this can vary depending on your policy and the circumstances of the incident. It’s important to check with your insurance provider to understand what is covered.
Rental Car Coverage through Credit Cards
Some credit cards provide rental car insurance as a cardholder benefit. However, the coverage offered by credit cards can vary, so it’s essential to review the terms and conditions to know what is included.
Rental Car Insurance from the Rental Company
When renting a car, the rental company will typically offer you additional insurance options. These can be a convenient choice, but they may come at a premium cost. Evaluate these options carefully and compare them with your existing coverage.
When Your Car Is Being Repaired
In most cases, rental car insurance comes into play when your car is being repaired due to a covered accident. This can include accidents that were your fault or those caused by other parties.
How to Make a Claim
When you need to rent a car during repairs, you’ll need to follow specific procedures for making a claim. This usually involves contacting your insurance company and providing documentation of the incident and repair needs.