Rental Car Issues

Property Damage – Table of Contents

  1. Introduction
  2. Getting Your Vehicle Repaired
  3. Dealing with a Total Loss Vehicle
  4. Rental Car Issues
  5. Payments and Deductibles
  6. Insurance Company Fairness
  7. Personal Injury Claims and Other Losses
  8. Tips for Dealing with Insurance Adjusters

Rental Car Issues

Will the insurance company pay for a rental car while my vehicle is in the repair shop or stored at a towing yard?

If the other driver is at fault and you file your property damage claim with that person’s insurance company, then the answer is yes.

If you file your property damage claim with your own insurance company, they are required to pay for a rental car only if your policy includes that specific coverage.

How long will they pay for the rental car?

The insurance company will pay for the rental car until your vehicle repairs are complete, or until a total loss settlement offer is made to you.

Do I have to take a small or compact rental car?

You are entitled to a rental vehicle that is comparable in size and function to your own vehicle. For example, if your damaged vehicle is a small truck, the insurance company must pay for a rental of a similar vehicle for you.

What if I can get by without a rental car?

If the other driver is at fault and you file your property damage claim with that person’s insurance company, you are entitled to use of a rental car. If you choose not to rent a car, then you are entitled to receive payment for the amount equivalent to what a rental car would have cost.

What if the other driver’s insurance company refuses to pay for my rental car?

It may happen that the other driver’s insurance company has not yet been able to contact the other driver to get their version of the accident. If the other driver is later determined to be at fault, you are entitled to receive reimbursement for the cost of renting a car.

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