Rental Car Reimbursement Coverage

Some insurers may besides cover surrogate transportation costs with rental car reimbursement coverage, such as cab fares, rideshare trip fees, or bus topology fares if you ‘re unable to get a lease car. If you carry rental reimbursement coverage, you ‘ll need to rent a car, cover the price out of pocket, and submit receipts to be reimbursed in most cases. Some insurers have relationships with lease car companies that make the reimbursement action seamless, while others may require you to submit receipts individually for reimbursement. Some insurers may allow you to bill your rental cable car directly to them, but it ‘s less common. Keep in mind that lease reimbursement coverage only applies when your car is damaged in a cover accident or loss. It does n’t apply if your car is in the shop for routine maintenance. In most cases, you ‘ll have a daily limit for rental costs, an overall rental monetary value limit, and a sum number of days that are eligible for rental car reimbursement. exact coverage limits will vary by insurance company, so it ‘s important to check for specific coverage information. With Progressive ‘s rental car reimbursement coverage, daily limits are typically $ 40- $ 60 and coverage lasts for a full of 30 days.

In most cases, rental reimbursement coverage does n’t have a deductible. however, this coverage only kicks in when your vehicle has been in a cover accident. If the damage is bad enough to warrant needing a lease cable car, then you ‘ll probably be submitting a claim under your collision or comprehensive examination coverage adenine well, both of which include a deductible .

Who is responsible for a rental car after an accident?

If you carry rental car reimbursement coverage, you can file under your car policy regardless of who caused the accident. If the other driver is at demerit, their insurance may end up paying for your lease car, but it may make smell to use your rental reimbursement coverage if the claims process is probable to take a while. once mistake has been determined, you or your indemnity company should be reimbursed by the at-fault driver ‘s insurance company .
If you do n’t carry rental car reimbursement coverage, you will be creditworthy to pay for a rental car out of pocket. If the early driver is deemed at fault, you may be reimbursed for the lease, but it may take a while for the reimbursement to come through.

How much is rental reimbursement coverage?

The price of lease car reimbursement coverage varies by insurance company. If you ‘re uncertain if you already have rental reimbursement coverage, check the declarations page of your policy, or call your insurance company to verify your coverage .

Is rental reimbursement coverage worth it?

It depends on how comfortable you are with unexpected expenses. Renting a cable car for an unfold period of time can get expensive promptly, so it may make sense to pay a few dollars a month to protect yourself against a bombastic, unexpected expense after an accident. It can besides provide faster reimbursement for a lease than an at-fault driver ‘s policy typically would.

On the other hand, if you ‘re comfortable covering the monetary value of a rental car out of pocket, you may not find it necessary .

How to get rental car reimbursement coverage

New Progressive customers

Get a quote for car policy and add rental car reimbursement coverage .

Current Progressive customers

Log in to your policy or call 1-866-749-7436 to add rental cable car reimbursement to your vehicle .

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Category : car insurance questions