Rental Reimbursement Insurance
Rental reimbursement insurance helps cover the cost of a rental car while your vehicle is being repaired due to a covered accident. It ensures you’re not left without transportation if your primary vehicle is in the shop after a claim.
What Does Rental Reimbursement Cover?
This optional coverage typically pays for:
- Daily rental car costs while your car is being repaired
- Rental costs for a reasonable replacement vehicle class
- Some transportation alternatives (e.g., ride shares) depending on your policy
What’s Not Covered?
Rental reimbursement insurance does not cover:
- Repairs not related to a covered accident
- Mechanical breakdowns or routine maintenance
- Rental costs beyond your daily or total limit
Do You Need Rental Reimbursement Coverage?
You may want this coverage if:
- You rely on your car for daily commuting
- You don’t have access to a second vehicle
- You want to avoid out-of-pocket rental expenses during repairs
How Much Coverage Do You Get?
Coverage typically comes with daily and total limits, such as:
- $30/day up to $900 total
- $40/day up to $1,200 total
- Higher limits may be available depending on the insurer
Is Rental Reimbursement the Same as Rental Car Insurance?
No — rental reimbursement covers the cost of a rental car after a claim on your personal vehicle. Rental car insurance covers damage to a rental car when you’re renting for travel or vacation.
When Can You Use Rental Reimbursement?
This coverage is only available when your car is being repaired for a claim covered under your policy — usually collision or comprehensive. It doesn’t apply to routine maintenance or breakdowns.