• Home
  • Get A Quote
  • Customer Service
  • Report a Claim
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call UsCall us for your insurance needs. 

We are insurance from the HART.

          Marion: (740) 387-0643       |        Upper Sandusky: (419) 835-1181
                                                                 
Home Report A Claim

Report A Claim     Make A Payment
  • Home
  • Get A Quote
  • What We Offer
    • Auto Insurance
    • Business Insurance
    • Farm Insurance
    • Homeowners Insurance
    • Life Insurance
    • Recreational Insurance
    • Umbrella Insurance
  • Blog
  • Resources
    • Refer a Friend
    • Make A Payment
    • Insurance Glossary
    • File a Claim
  • About Us
    • About Us
    • Location Map
    • Customer Testimonials
    • Employee Directory
    • Privacy Policy
  • Contact
  • Community Involvement
Auto Insurance AUTO
Get A Quote
Homeowners Insurance HOME
Get A Quote
Farm Insurance FARM
Get A Quote
Business Insurance BUSINESS
Get A Quote
Life Insurance LIFE
Get A Quote
Umbrella Insurance UMBRELLA
Get A Quote
Recreational Insurance TOYS
Get A Quote
Home > Blog > Seven Things to Know About Rental Car Coverage
WEDNESDAY, NOVEMBER 30, 2016

Seven Things to Know About Rental Car Coverage



After a car accident, you have enough things to worry about. Getting to work the next day shouldn’t be one of them.

We’ve all been there—and arranging alternate transportation while your vehicle is in a repair shop can be a hassle. But rental reimbursement coverage can help alleviate some stress after an accident while also saving you money.

Here are seven things you should know about before buying rental car reimbursement coverage:

1. It’s optional.
Rental reimbursement coverage does not automatically apply after an accident. As an optional coverage, it must be purchased separately. A common misconception is that auto insurance automatically covers the cost of a replacement rental car. In reality, you often have to select this coverage and apply it to the policy.

2. There is a limit.
You’ll likely have a per day and per occurrence limit. For example, if you have a 25/750 limit, your insurance company will pay up to $25 per day but no more than $750 per claim for the rental vehicle. Most insurance companies will offer several different options, allowing you to choose the limit that is right for you.

3. Your vehicle must be in the shop due to a covered loss.
Rental reimbursement coverage can be used while your vehicle is being repaired after an accident or another covered loss, not for routine maintenance or leisure. So, if your car is at the body shop after an accident, a rental car is covered up to your limit. But if your car is undergoing routine maintenance that will keep it in the shop overnight or you are renting a vehicle for a family road trip, then rental reimbursement coverage would not apply.

4. You can use it right away.
After reporting a claim, if your vehicle isn’t drivable, you can be authorized for a rental car right away. Otherwise, you will be relying on the at-fault driver’s insurance company, and you may have to wait a little while before they can assess the claim and agree to pay for a rental car. With rental reimbursement coverage, there’s no waiting.

5. No need to worry about additional insurance.
For the most part, when you have collision and comprehensive coverages in your auto insurance policy, it will transfer to the rental vehicle, eliminating the need to purchase additional coverage from the car rental agency. Check with your Grange agent, who will be able to tell you when this applies.

6. You may not need it at all.
If you have access to another vehicle, rideshare service or public transportation in the event your vehicle isn’t drivable, you may not need rental reimbursement coverage. But if you prefer the safety net of having a rental available if you need it, you may want to opt-in to this coverage.

7. It costs less than you might expect.
One year of rental reimbursement coverage will typically cost less than one day of out-of-pocket rental car expenses.

Reference
- Insurance Information Institute

Posted 10:49 AM

Tags: rental car, reimbursement, accident, claim
Share |


NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2018
  • 2017
  • 2016

  • home insurance(27)
  • auto insurance(18)
  • life insurance(14)
  • safety(13)
  • home safety(7)
  • auto safety(6)
  • home(5)
  • renters insurance(5)
  • auto(5)
  • boat insurance(4)
  • water backup(3)
  • rental car(3)
  • boat safety(3)
  • flood insurance(3)
  • claims(2)
  • insurance safety(2)
  • life(2)
  • liability insurance(2)
  • insurance review(2)
  • holiday(2)
  • fire safety(2)
  • disaster(2)
  • golf cart insurance(2)
  • accident(2)
  • prevention(1)
  • review(1)
  • business(1)
  • business owner insurance(1)
  • pool insurance(1)
  • storms(1)
  • college(1)
  • umbrella insurance(1)
  • snowmobile insurance(1)
  • house fires(1)
  • haiti(1)
  • first step insurance(1)
  • condominium insurance(1)
  • tornado(1)
  • safety tips(1)
  • teen driving(1)
  • reimbursement(1)
  • term life insurance(1)
  • peanut butter for haiti(1)
  • dune buggy insurance(1)
  • motorcycle(1)
  • storage unit insurance(1)
  • boats(1)
  • motorcycle insurance(1)
  • damage(1)
  • farm insurance(1)

View Mobile Version
Facebook
LinkedIn
Instagram
Blog
logo, company name
logo, company name
Carriers
graphical user interface
Carriers
text
Carriers
Carriers
Carriers
graphical user interface
Carriers
Facebook Logo

Resources

Home About Us Get a Quote Customer Service Refer A Friend Contact Us

Contact Us

icon
  • Click Here For Our Office Locations
  • O: (740) 387-0643
  • F: (740) 382-2150
  • E: info@vernehart.com
© Copyright. All rights reserved.
Powered by Insurance Website Builder