Auto Insurance Questions & Answers
Is There An Auto Insurance That Covers Car Rentals?
Do you have an auto insurance policy that covers car rentals? This may not seem like a pressing question now, but if you ever get into an accident and require a rental car, then it will be an important issue. The inconvenience of being without your usual vehicle due to an accident is bad enough, but having trouble with obtaining a rental car can make the situation worse.
What type of auto insurance covers car rentals?
If you are in an accident and your vehicle needs repairs then you will undoubtedly need a replacement vehicle while these repairs are being completed. The type of coverage that extends to this type of situation is known as "Rental Car Reimbursement" or RREIM, for short. This coverage is what allows you to procure a temporary replacement vehicle while your car is either not drivable or while it is undergoing repairs.
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You should know that there are stipulations when it comes to RREIM. This coverage only applies if the damage itself was covered by your auto insurance policy. This rental car coverage also has clearly defined limits as to the amount that you will be granted to obtain a rental vehicle.
Does your regular auto insurance policy protect your rental car?
Your regular car insurance policy should provide some level of coverage for your rental car but this is not a certainty. It depends on the policy that you have. Even if your regular coverage extends to include rental car coverage, then it is likely that their will be limitations and exclusions that would not be in effect if you were driving your originally insured vehicle. You will need to closely examine your policy to see what coverage, if any, extends to your rental car.