Do You Need Additional Rental Coverage?
What to Do When Your Car is Being Repaired
After an accident, you still have to get places. You still have to drive to work, you still have to take the kids to soccer practice, and you still have to be able to run errands. But if your vehicle is waiting to be repaired, then how do you do that?
Most insurance policies will come with rental car coverage. They will pay for your rental for a period of time while your daily driver is being repaired. The problem, however, is when your vehicle is taking longer to get fixed than you originally expected.
What happens if your rental car coverage runs out before you have your vehicle back?
Terms on Rental Car Coverage
When you purchase an insurance policy with rental car reimbursement, you probably have a term of about 30 days. The idea here is that the company will pay for your rental up to 30 days while you’re looking for a new vehicle after a total loss. But it doesn’t mean that you can just keep the car that long.
When you’ve negotiated a settlement with your insurance company, you generally have just a few days to return the vehicle, or start paying for the rental on your own.
If your vehicle is being repaired, that’s another story. The insurance company can’t expect you to simply give up your rental car when your vehicle isn’t ready to drive again. In these cases, most policies will let you keep the vehicle until yours has been returned to you.
There’s one conundrum that you might face. Not all rentals are equal. Some vehicles cost more to rent than others. So the rental car reimbursement part of your insurance will set a daily limit on the costs of the rental, often it is $25 per day (but you can pay more to increase this, or pay the difference out of pocket).
Do You Need Coverage on Your Rental Car?
Suppose you have your rental, and you’re going to be driving it for a couple of weeks while your vehicle is being repaired. Do you need to buy more insurance to cover the rental car?
The short answer: probably not. Most insurance policies will carry-over to your rental car. Any coverage you had on your primary vehicle will also apply to the rental. But that does vary by policy, so you will want to double check.
Keep in mind too that if you have to pay for a rental, let’s suppose that you’re on vacation and you need a car to get around, the credit card you use to pay for the rental will often come with its own coverage as well. Check with your card since they all vary.
Big Sky Collision Center Fixes Vehicles
If you have been in an accident, you have the right to choose which auto body shop you take your vehicle to. You don’t have to use the insurance company’s preferred provider. So why not bring it to the best auto body shop in Billings? We have more certifications than any other shop in the area; we will make sure your vehicle is fixed to factory safety standards.