Can you get a rental through car insurance with no accident?

Yes, you can get a rental through car insurance even if you haven’t had an accident.

Car insurance policies often include coverage for rental cars in the event your vehicle is being repaired or replaced due to various reasons other than accidents. This coverage, known as rental reimbursement coverage, can be added to your policy for a small additional premium.

FAQs:

1. How does rental reimbursement coverage work?

Rental reimbursement coverage helps pay for a rental car while your own vehicle is being repaired or replaced for a covered claim.

2. Do I have to pay for the rental car upfront?

Typically, you will need to pay for the rental car upfront and then submit the receipts to your insurance company for reimbursement.

3. Are there any restrictions on the type of rental car I can get?

Some insurance policies may have restrictions on the type of rental car you can get, such as size or cost limitations.

4. How long can I keep the rental car for?

The length of time you can keep the rental car will vary depending on your policy and the specific circumstances of your claim.

5. Does rental reimbursement coverage only apply to accidents?

No, rental reimbursement coverage can be used for a variety of reasons other than accidents, such as theft, vandalism, or weather-related damage.

6. Is rental reimbursement coverage expensive?

The cost of rental reimbursement coverage will depend on your insurance company and the coverage limits you choose, but it is typically a relatively affordable add-on.

7. Can I get a rental car if my vehicle is in the shop for routine maintenance?

Rental reimbursement coverage typically only applies to situations where your vehicle is being repaired or replaced due to a covered claim, not for routine maintenance.

8. What if the at-fault driver’s insurance company is providing me with a rental car?

If the at-fault driver’s insurance company is providing you with a rental car, you may not need to use your own rental reimbursement coverage, but it is worth checking with your insurance company to confirm.

9. Can I choose any rental car company to get a rental through my insurance?

Some insurance companies have partnerships with specific rental car companies, so it is recommended to check with your insurance company to see if there are any preferred providers.

10. Will my insurance rates go up if I use rental reimbursement coverage?

Using rental reimbursement coverage should not typically affect your insurance rates, as long as you are not at fault for the claim.

11. What happens if the rental car gets damaged while in my possession?

If the rental car gets damaged while in your possession, the rental car company’s insurance should cover the damages. However, you may be responsible for a deductible.

12. Is there a limit to how much my insurance will cover for the rental car?

Yes, there is usually a limit to how much your insurance will cover for the rental car per day or per claim. It is important to check your policy for specific coverage limits.

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