If your accident was caused by another driver, the other driver’s insurance company will pay for you to rent a car. You can keep the rental car for the time the company believes is reasonable for your car to be repaired. The company will base the amount of time on the estimated number of hours of labor. Be sure to let the adjuster know about any delays in getting your car fixed. The company might extend the rental if there are delays because the repair shop had to order parts or found more damage.
If the company totals your car, it will probably stop paying for the rental a few days after telling you.
Your insurance company will pay for a rental car if:
- you have uninsured/underinsured motorist coverage and the driver who caused the accident didn’t have insurance or enough insurance.
- you have uninsured/underinsured motorist coverage and the accident was a hit-and-run.
- you have rental reimbursement coverage and were in an accident.
- you have comprehensive coverage and your car is stolen.
Your insurance company will pay for a rental car only for the time it believes is reasonable to repair or replace your car. It will pay a set amount each day and only up to your policy’s rental coverage dollar limits.