Often when damage occurs as a result of a car accident, the vehicle can be made undrivable. When such an event occurs, you may find yourself in a difficult situation if your auto insurance policy does not provide coverage for you to rent a car while your vehicle is in the shop.
It is not uncommon for someone to overlook the fact that most auto insurance policies offer either limited car rental benefits or no coverage at all. When the policy includes this coverage, often known in the insurance industry as rental coverage or reimbursement of transportation expenses, allowance is usually only $ 15- $ 20 per day. As you can imagine, this amount is generally not sufficient to cover the full daily cost of a rental car.
Being stuck without a rental vehicle when your normal mode of transportation is out of commission can be very frustrating to say the least. As an expert in handling day to day protest, I met many cases where a rental car saved the day for a policyholder for two reasons. First, they had a car to get around while their car was repaired. Second, selecting the cover of sufficient rental car in their car insurance policy, they were covered for the full day rate, plus all applicable taxes, for a rental which is comparable in size and grade to the damaged vehicle
of course. the subject of rental cars, the coverage mentioned above should not be confused with the liability coverage or damage to a rental vehicle. Protection of liability for property damage or personal injury to others while driving a rental, as well as coverage for damage to the rental vehicle, is generally provided by the liability and physical damage to your police party motor insurance, subject to applicable deductibles.
generally car rental companies offer optional insurance you can buy to rent a car. If you buy this optional coverage? It is a personal choice, but keep in mind that if you wear a collision coverage under your auto insurance policy, you may already have some coverage for the rented vehicle should you be involved in an accident. Be sure to check your policy or talk with your agent to determine what coverage your policy may provide.
all the circumstances are not the same, but the coverage of transport costs is a convenient and often inexpensive option. It is strongly advised to read your policy and talk with your insurance agent for details and specific exclusions regarding both the cover transport costs, as well as coverage of the liability and damage to a vehicle You rent.
The covers are described here in the most general terms and conditions and are subject to actual policy exclusions. For the actual wording cover, conditions and exclusions, see the policy or contact your agent .
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