Given that there are sometimes multiple people who have to review your auto insurance claim before you can be approved for coverage it might take several days or more to get your car repaired which means you could be in a rental for a while.

If your car breaks down does insurance cover a rental. However if you have bought additional insurance for your rental its very likely that it will also cover breakdowns so you wont have to pay if your rental car breaks down. If you carry comprehensive and liability coverage on your personal car coverage typically will extend to your rental car within the United States. Should you add rental reimbursement coverage to your existing car insurance policy.

If youre renting a car in the US. Look to see if your rental car has a spare tire and if it does what size it is. Otherwise youll have to file a claim with your insurance or pay out of pocket.

So that being said there is something called loss of use coverage for your vehicle. However there are still other breakdowns that it likely wont cover. Auto insurance may cover comprehensive and collision breakdowns.

Mechanical breakdowns can result from the normal wear and tear of your vehicle. Find out what to do if your rental car breaks down and needs to be towed to a repair shop or rental office. Rental reimbursement coverage will cover the cost of a replacement rental car while yours is being repaired after a covered claim.

If you experience a mechanical breakdown and it wasnt caused by an accident your insurance wont cover it When your car is vandalized or there is damage to the mechanics caused by live animals it may be covered There is a provision in all auto insurance policies that says that damage caused by wear and tear is excluded. All of these questions and potentially several others are likely to cross your mind when in need of a rental. Your Home insurance provides coverage for any possessions you have in the car like a camera or luggage.

However if you caused the accident you will usually need to be carrying an optional coverage called rental reimbursement insurance to get your rental ride covered. There is a common misconception that insurance will pay for things whenever they break but that is simply not the case that is what warranties are for. It will include reimbursements if the insured requires a rental car as the result of damage to their vehicle.