If you already have collision and comprehensive insurance you do not need to duplicate your coverage.

Does car insurance cover rental car after accident. Rental Car Company Insurance. What does AAA basic cover. How does car rental reimbursement work.

Often rental coverage only lasts 30 days. Many insured drivers are surprised to find out that their auto insurance does not automatically cover the cost of their rental because theyve overlooked the policy option known as rental reimbursement. If you were driving a mini-van because of your kids you need a mini-van rental or a large SUV.

Contact your agent to add the coverage to your policy. Rental car insurance and credit card insurance can serve as secondary coverage after your own car insurance pays out so your rates may still go up after an accident even if you sprang for extra coverage. This coverage available through your insurance company costs about the same as renting a car for just one day.

Credit card Some credit cards provide rental car insurance if you use their card to rent the vehicle. Your insurance company then goes after the other insurance company to get reimbursed for the money they paid for your rental car. If you get into an accident or otherwise damage the vehicle at any point during the rental period the three primary sources of potential insurance coverage are the rental car company your personal car insurance and the credit card you used to pay for the rental.

A rental car will only be covered by your insurance if you have rental car reimbursement also called substitute transportation coverage or loss of use coverage as part of your auto policy. Its important to note that if your car has to be in the repair shop following an accident your auto insurance wont automatically cover the cost of your replacement rental car. Rental Coverage Pays Off Rental coverage pays for the cost of a rental while your vehicle is repaired after an accident.

When renting a vehicle the rental car companys representative will almost always offer you additional. It is a low-cost product available through your auto insurance provider. If this person had insurance the liability portion should cover all loses caused by an accident including loss of wages rental over and above rental allowance by your own insurance bodily injury and pain and suffering.