Rental car reimbursement coverage pays for a rental vehicle while your car is being repaired after a covered accident or incident. This optional coverage activates when your comprehensive or collision insurance is used for repairs.

When you're involved in an accident, responsibility for rental car costs depends on fault:

• If another driver is at fault, their insurance typically covers your rental car
• If you're at fault, you'll need rental reimbursement coverage to pay for your rental vehicle
• In disputed fault cases, having rental reimbursement allows immediate access to a rental car while insurance companies settle the claim

Coverage comes with two main limits:

• Daily maximum amount for rental costs
• Total claim maximum (either a dollar amount or time limit)

Key factors to consider when choosing coverage limits:

• Local rental car rates
• Your daily transportation needs
• Commuting requirements
• Distance to preferred rental providers
• Length of typical repairs

Important coverage details:

• Requires existing comprehensive or collision coverage
• No deductible applies
• Not included in standard full coverage policies
• Optional coverage in all states
• Must be added separately to your policy

The coverage only applies when:

• Your car requires repairs covered by your comprehensive or collision insurance
• You need temporary transportation during covered repairs
• The damages aren't another driver's fault

When selecting rental reimbursement coverage, evaluate:

• Your public transportation options
• Work and family transportation requirements
• Average repair times for your vehicle type
• Local rental car availability and rates
• Your budget for additional coverage

This coverage provides peace of mind and continuous transportation access during unexpected repairs, making it valuable for those who rely heavily on their vehicles.

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