If your rental car is in the shop while you’re out of town, will your insurance company cover the cost? And if they won’t, is there any way to get them to? In this article, we’ll discuss the ins and outs of rental car insurance coverage and whether or not it’s worth paying for it during repairs.
What is covered under insurance
When it comes to rental cars, many people think that their insurance will cover any damage done while the car is in their possession. This is not always the case, so it’s important to know what your policy covers.
Generally speaking, your rental car insurance policy will cover you for loss of use, collision, and theft. However, some policies may also include coverage for rental car accidents. It’s important to read your policy carefully to determine what is included and what is not.
What are the different types of rental car repairs
The different types of rental car repairs can include things like fixing a flat tire, changing the oil, or replacing the brakes. Most rental car companies will cover these repairs, but it is important to check with the company beforehand to make sure. Sometimes, the cost of these repairs can be expensive, so it is always good to have coverage.
How do I know if my rental car is covered under my policy?
If you are renting a car from a personal property insurer (PPI), the PPI will likely cover the rental. If you are renting from an automobile club or a company that does not provide PPI coverage, the rental company may be responsible for the damages to your vehicle. Make sure to ask about coverage when you make your reservation. If you have collision or comprehensive insurance, it may still cover rental car damage if the rental company is not responsible.
What are the deductible and co-pay amounts?
The deductible amount for rental car coverage is typically $100, and the co-pay amount is typically $25.
What should I do if my rental car isn’t covered?
If you have rented a car and the vehicle is not covered by your insurance, there are a few things that you can do. First, contact the rental company and ask if they will cover the cost of a new rental car. If they are unwilling or unable to cover the cost, then you may be able to negotiate with the rental company to have the old rental car reimbursed. You may also be able to find a discounted rental car through online resources.
Conclusion
While most people know that their rental car company will cover any repairs needed while they’re away, many might not be aware that insurance also typically covers these expenses. In the event of an accident, for example, your rental car company might require you to produce proof of insurance before they’ll authorize reimbursement for your expenses. So if you’ve ever had a repair done on your rental car and wondered whether or not your insurance would cover it, now you know!