Don’t Be Left Stranded: Find Out If Your Auto Insurance Will Cover A Rental Car
Have you ever been stuck on the side of the road with a broken-down car? If so, you know how frustrating it can be. The last thing you want to worry about is how to get from point A to point B while your car is in the shop.
The good news is that many auto insurance carriers offer coverage for rental cars if your vehicle breaks down. Here, we will explore whether or not your auto insurance will cover a rental car in the event that your car break down
What is auto insurance?
Auto insurance is a type of insurance policy that covers losses and damages related to an automobile. Depending on the type of coverage you choose, auto insurance can provide protection from physical damage caused by a collision, liability for injuries or property damage sustained by others, and even financial losses resulting from theft or vandalism.
Auto insurance is a contract between the policyholder and the insurance company that outlines specific terms, limits, and conditions under which the insurer will pay out benefits in exchange for a premium payment.
The coverage provided by an auto insurance policy typically includes property, liability, medical payments, collision, comprehensive, and uninsured motorist coverages.
When it comes to being prepared for the unexpected, auto insurance is one of the best ways to protect yourself and your vehicle.
Knowing the coverage that your auto insurance policy provides can help you determine what types of losses your policy will and won’t cover in the event of an accident.
What does auto insurance cover?
One of the main reasons why people purchase auto insurance is to protect themselves in the event of an accident or other mishap involving their vehicle. But what many people don’t realize is that auto insurance can also help you in the event of a breakdown, by covering the cost of a rental car while your vehicle is being repaired.
It’s important to know exactly what your auto insurance policy covers before you find yourself in the situation of needing a rental car.
If you have collision and comprehensive coverage, you should be covered for any damage caused to your vehicle, including the cost of a rental car while it is being repaired.
However, if you have only liability coverage, you will not be covered for any repairs and therefore you would need to pay for a rental car out of pocket.
It’s important to note that rental car coverage is usually subject to a deductible, so it’s important to read your policy and understand what you are responsible for in the event of an accident or breakdown.
The cost of a rental car can add up quickly, so it’s important to know what your auto insurance will cover before you find yourself in need of one.
Be sure to review your policy and make sure that you are fully covered in the event of an accident or breakdown. Don’t be left stranded without knowing your rights – make sure you understand what your auto insurance covers!
What is not covered by auto insurance?
When your car breaks down, you want to make sure that you can get back on the road as soon as possible. While auto insurance will usually cover repairs for your vehicle, it’s important to know if your carrier will also cover rental car costs.
Unfortunately, most auto insurance policies do not provide coverage for rental cars. Unless you have a specific rider on your policy that states otherwise, you will be responsible for covering the costs associated with a rental car.
However, some auto insurance carriers offer additional services that may provide you with access to discounted rental car rates.
Additionally, some policies include roadside assistance coverage, which may include a tow and a limited number of days of rental car coverage.
Be sure to read the fine print of your policy to determine if you have access to these types of services.
It’s also important to note that while auto insurance will cover damage caused by an accident, it typically won’t cover wear and tear or mechanical problems due to regular use of your vehicle.
In such cases, you may be able to purchase a mechanical breakdown policy from your insurance carrier to help protect you against repair costs.
Knowing what is and isn’t covered by your auto insurance policy is important for being prepared in the event of a breakdown or other emergency.
Having this knowledge can help ensure that you have the coverage you need when you need it most.
How to get coverage for a rental car
If your car breaks down, you don’t want to be left stranded on the side of the road without a reliable way to get around. Thankfully, many auto insurance carriers offer rental car coverage in the event that your vehicle is out of commission.
However, it’s important to check with your insurance carrier to find out if you have coverage before you need it. Many auto insurance policies do not include rental car coverage as a standard feature, but it can usually be added for an additional premium.
In general, rental car coverage helps to pay for a rental car while your own vehicle is being repaired or replaced after an accident. It typically covers the cost of the rental car, plus any associated fees and taxes.
Keep in mind that the coverage usually has a daily and/or total limit, so make sure to ask your insurance provider what those limits are before renting a car.
If you’re in an accident that isn’t your fault, the at fault driver’s insurance company may be responsible for paying for the rental car costs instead of yours.
However, if the other driver doesn’t have enough coverage or fails to pay their portion of the bill, your rental car coverage may help cover any remaining costs.
Lastly, be sure to shop around when selecting a rental car. Make sure to compare rates between companies and look for any discounts you may qualify for. This can help you save money and stretch your rental car coverage further.
Overall, it’s important to know if your auto insurance carrier covers rental cars before you need it. With proper coverage in place, you can rest assured that if your car breaks down, you won’t be left stranded without a way to get around.