How does auto insurance rental car reimbursement work?

Rental car reimbursement can be added if the covered vehicle has comprehensive and collision coverage. There is a daily limit (often $30) for a maximum number of days (often 30 days). Rental car reimbursement is not subject to a deductible.

Again, there must be a collision or comprehensive loss to use this add-on. Collision claims involve hitting another vehicle or fixed object. Vehicle theft, deer hit, or a tree limb falling on the car are examples of comprehensive losses.

Ask the adjuster for guidance before using rental car reimbursement coverage. Some insurers have agreements with rental car agencies that allow direct billing. Submit receipts for reimbursement if you prefer a different provider or your carrier does not offer direct billing.

Rental car reimbursement does not cover extra expenses that come with renting a car. Fees for a damage deposit, collision damage waiver, supplemental rental car insurance, and gas are your responsibility, as well as any charges above the stated limit.

Alternatively, you may want an at-fault driver to pay your rental car charges. Asking another individual to pay your damages is a third party claim. Coverage is subject to terms outlined in the other person's policy.