Car insurance will pay for a car rental if your car insurance policy includes rental reimbursement coverage.
Rental reimbursement coverage is a type of insurance that reimburses you for the cost of a rental car while your damaged vehicle is being repaired. rental reimbursement coverage is optional and costs extra.
rental reimbursement coverage is typically inexpensive relative to your total monthly insurance payment. it can cost as little as a few dollars a month. however, many drivers choose not to purchase it because it is an extra charge.
how long will rental reimbursement coverage pay me to have a rental car after a car accident?
The answer depends on your auto insurance policy. insurance policies are contracts. the policy describes the terms of the contract. most insurance policies limit rental reimbursement coverage to around 30 days.
what does the rent reimbursement cover?
again, the answer depends on your policy. some policies limit coverage to “rental charges” and specifically exclude the payment of fees or charges for rental car insurance, damage waivers, optional rental car equipment, gasoline, and accessories. That means if you buy insurance for the rental car, your auto insurance won’t reimburse you.
Know what your policy covers before you rent a car, so you don’t end up with unexpected costs. You can contact your insurance agent or adjuster for help answering this question.
Also, know when rental reimbursement coverage ends. for example, some policies end with the first of the following:
- when your car is returned
- when your car is repaired
- when your car is replaced
- a certain number of hours after the insurance company offers to pay you for the total loss of your car
- after 30 days of rental charges
In other words, just because you have rental coverage for up to 30 days doesn’t mean the insurance company will pay rental charges for the full 30 days.
You should review your auto insurance policy with an experienced personal injury attorney to ensure you don’t end up paying out-of-pocket charges not covered by the policy.
If you have rental reimbursement coverage, learn how to file a claim.
First, file a claim with your insurance company. tell your insurance your car is damaged and you need a rental.
Second, if possible, get written confirmation of rental reimbursement coverage before renting a car. your insurance agent can provide this documentation in a letter or email.
Unfortunately, you may need to pay rent and seek reimbursement from your insurance. many policies won’t pay until you “incur” (actually pay) the rental charges.
Third, get a receipt for your rental car payment. the insurance company will not reimburse you without it.
If you have any further questions about rental reimbursement coverage, please call or contact the conybeare law office now.
The expert car accident attorneys at the Conybeare Law Office will help you assess your case and fight to get you the money you deserve.
To learn more about the legal services offered to our michigan car accident clients, contact our office today. Conybeare Law Office has offices in Saint Joseph and Kalamazoo, Michigan, serving all of Southwest Michigan and beyond. Call or contact us for a free consultation. we look forward to speaking with you. remember, if it’s not fair, call the bear.