If you crash your car and don’t have backup transportation, you need rental reimbursement coverage. Not every company offers it; you’ll need to ask your agent. If someone else hits your car, the other insurance company will typically cover the cost of renting a vehicle while yours is being repaired or replaced if it is deemed a total loss.Suppose the other party has no insurance. If you have purchased the optional Uninsured Motorist Property Damage coverage, your company may pay for a rental car, just as if the other driver had insurance. To ensure you have sufficient coverage for a rental, consider purchasing the Rental Reimbursement option if available.
If your car is drivable and the body shop will take longer than 30 days to repair it, consider waiting until the parts arrive and they have the necessary time. Rental Reimbursement usually has a 30-day limit.
