Rental Reimbursement Coverage
Get a rental car while your vehicle is being repaired after a covered claim. Stay mobile without out-of-pocket costs.
What is Rental Reimbursement?
Rental reimbursement coverage, also called rental car coverage or loss of use coverage, pays for a rental car while your vehicle is being repaired after a covered collision or comprehensive claim.
This coverage ensures you can continue your daily activities like commuting to work, running errands, and maintaining your schedule while your car is in the shop.
What Does It Cover?
Daily Rental Costs
Pays a set amount per day (typically $30-$50) for a rental car while yours is being repaired.
Collision Repairs
Covers rental costs when your car is being repaired after an accident covered by collision insurance.
Comprehensive Repairs
Pays for rentals when your vehicle is being fixed after theft, vandalism, weather damage, or other comprehensive claims.
Total Loss Situations
Provides rental coverage for a limited time while you shop for a replacement vehicle if your car is totaled.
How It Works
File a Claim
Report your accident and file a collision or comprehensive claim with your insurance.
Get Approval
Your insurer approves the claim and authorizes rental reimbursement.
Rent a Car
Pick up a rental from any provider. Your insurance reimburses up to your daily and total limits.
Get Reimbursed
Submit rental receipts to your insurer for reimbursement up to your coverage limits.
Coverage Limits
Basic Coverage
$30/day
Maximum: $900 (30 days)
Good for economy car rentals
Better Coverage
$50/day
Maximum: $1,500 (30 days)
Covers standard and mid-size cars
Do You Need This Coverage?
Yes, if you:
- Rely on your car for daily commuting to work
- Don't have access to another vehicle
- Need your vehicle for essential activities (school, medical appointments)
Average Cost
Annual Premium
$30-60/year
Very affordable peace of mind
What coverage level do you need?
Choose the protection that matches your requirements