Will insurance pay for rental car during repairs 2024

In this post “Will insurance pay for rental car during repairs”

When it comes to rental car coverage during repairs, the specifics can vary significantly between insurance companies and individual policies. However, many car insurance companies offer rental reimbursement coverage as an optional add-on to your policy. Below, I will discuss the general scenarios and provide details for some of the specific insurance companies listed.

Will insurance pay for rental car during repairs
Will insurance pay for rental car during repairs

General Scenarios for Will insurance pay for rental car during repairs

  1. Rental Reimbursement Coverage: This is an optional coverage that pays for a rental car if your vehicle is being repaired due to a covered loss (e.g., an accident). Typically, you need to have collision and comprehensive coverage to add rental reimbursement.
  2. Coverage Limits: Rental reimbursement usually has daily and total limits (e.g., $30 per day up to $900 per claim). If the cost of your rental car exceeds these limits, you will have to pay the difference.
  3. Rental Direct Billing: Some insurance companies have arrangements with specific rental car companies for direct billing, meaning you won’t need to pay upfront and seek reimbursement later.
  4. Excluded Scenarios: Rental reimbursement does not cover mechanical breakdowns or routine maintenance. It’s strictly for incidents covered under your policy’s collision or comprehensive coverage.

Whether Specific Companies Will insurance pay for rental car during repairs


Allstate offers rental reimbursement coverage as an optional add-on. They provide rental cars for up to 30 days and work directly with preferred rental agencies for direct billing.

American Family Insurance

American Family Insurance also offers rental reimbursement coverage. The specifics of the coverage, such as daily limits and total amount, will depend on the policy you choose.

Amica Mutual Insurance

Amica provides rental reimbursement coverage, typically requiring you to add this option to your policy. They also have preferred partnerships with rental car companies for easier claims processing.


GEICO’s rental reimbursement coverage can be added to an existing policy with collision and comprehensive coverage. The daily limit is often around $30-$50, depending on your policy terms.

The General

The General offers rental car reimbursement as an optional add-on. They provide coverage based on the specifics of the chosen plan and limits set within the policy.

MetLife Auto & Home

MetLife provides rental car coverage as part of their policies, but it must be selected as an optional add-on. Limits and availability can vary by state.

State Auto Insurance Companies

State Auto includes rental reimbursement as an add-on to their auto insurance policies. It covers rental costs while your car is in the shop for repairs due to a covered loss.

Plymouth Rock Assurance

Plymouth Rock offers rental car reimbursement as an optional coverage. They emphasize flexible terms and the convenience of direct billing with rental agencies.

Elephant Insurance

Elephant Insurance provides rental reimbursement coverage, which can be added to policies that include comprehensive and collision coverage.


AAA offers rental reimbursement coverage, available as an add-on. Coverage limits and terms will depend on the specifics of your policy and membership level.


Progressive offers rental reimbursement coverage with varying daily and total limits. It’s available as an optional add-on to policies with collision and comprehensive coverage.

State Farm Insurance

State Farm provides rental reimbursement as an optional coverage. The company covers rental costs with predefined daily and total limits, working with specific rental agencies for convenience.


USAA offers rental reimbursement coverage for members who have comprehensive and collision coverage. USAA provides direct billing with rental companies, making the process smoother for military members and their families.

Additional Considerations

Claims Process in Will insurance pay for rental car during repairs

  • Documentation: Ensure you keep all receipts and documentation related to your rental car and the repair of your vehicle. This will be necessary for filing a claim with your insurance company.
  • Approval: Some insurance companies may require pre-approval before you rent a car, so it’s a good idea to contact your insurer immediately after an incident to understand the process and requirements.

Will insurance pay for rental car during repairs Coverage Limits

  • Daily Limit: Many policies have a daily limit on the amount they will reimburse for a rental car. Make sure the car you choose falls within this limit to avoid out-of-pocket expenses.
  • Time Limit: There may also be a limit on the total number of days the rental reimbursement covers. Typically, this is around 30 days, but it can vary.

Alternative Transportation Options – Will insurance pay for rental car during repairs

  • Ride-Sharing and Public Transport: Some insurance policies may cover the cost of ride-sharing services or public transportation instead of a rental car. Check with your insurer if this is more convenient for you.
  • Rental Car Companies: Your insurance company might have partnerships with specific rental car companies, offering you better rates or direct billing arrangements.

Discounts and Loyalty Programs

  • Loyalty Programs: If you frequently rent cars, enrolling in a rental car company’s loyalty program can provide additional benefits such as faster service and potential discounts.
  • Insurance Discounts: Some insurers offer discounts on rental reimbursement coverage if you bundle it with other types of insurance, such as homeowners or life insurance.

Common Questions

What if the repairs take longer than expected?

If the repairs to your vehicle take longer than the coverage period of your rental reimbursement, you may need to pay out-of-pocket for any additional rental days. Discuss with your repair shop and insurance adjuster to get an accurate estimate of the repair time.

Does rental reimbursement cover luxury or specialty vehicles?

Rental reimbursement typically covers the cost of a standard rental car. If you need a luxury or specialty vehicle, you may need to pay the difference out-of-pocket. Always verify the type of vehicle covered under your policy.

Does rental reimbursement apply if the accident is my fault?

Yes, rental reimbursement can apply regardless of fault, provided the incident is covered under your collision or comprehensive policy. However, it’s always important to confirm the specifics with your insurance provider.

How to Add Rental Reimbursement Coverage

  1. Contact Your Insurer: Speak to your insurance agent or customer service representative to add rental reimbursement coverage to your policy.
  2. Evaluate Your Needs: Determine the level of coverage you need based on how often you drive and the availability of alternative transportation.
  3. Review Costs: Understand the additional premium cost for adding this coverage and how it fits into your budget.

Conclusion from Will insurance pay for rental car during repairs

Rental car reimbursement coverage can provide significant peace of mind when your vehicle is undergoing repairs. By understanding the specifics of your insurance policy and the coverage limits, you can ensure you are well-prepared for any situation that requires a temporary replacement vehicle. Always review your policy regularly and discuss any changes or additional coverage options with your insurer to ensure you have the protection you need.

Feel free to ask if you need more detailed information or have any specific scenarios you want to explore further!

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