Rental car coverage costs very little, but can make a difference when needed. If you are not the cause of a collision, typically you are supposed to be provided with a rental car by the at-fault company's insurance.
HOWEVER, there are several scenarios that if you do not have your own rental car coverage, you may find yourself without a vehicle:
- The At-Fault Insurance Company cannot get a hold of their driver
- We've unfortunately seen this all too often. Even after presenting the insurance company with a police report showing their driver was ticketed, many insurance companies will not "accept" fault until they speak with their driver. If the driver is evading their insurance companies calls, this could take several weeks. In the mean time, you may find yourself without a car if yours is not driveable.
- The Driver who hit you does not have any valid insurance:
- If the driver who hit you does not have valid insurance, your claim will be processed through your own policy. If you do not have Uninsured Motorist Coverage or Rental Car Coverage, you are out of luck.
- If you are provided with a rental rar from the At-Fault Insurance Company and your vehicle is "totaled", expect a very short rental period:
- If your car is totaled, or not repairable, as soon as the At-Fault Insurance Company makes an "offer" on your vehicle they will quickly try to cut off your rental car. This often means your rental car is cut off before you receive a check for your car. If you have your own rental car coverage, you likely have it for at least 20-30 days and have plenty of time to shop for a new car.
Bottom Line: Rental car coverage costs very little, but can really make a difference when needed.
If you have been injured in a collision and need help with both your property damage claim and your personal injury claim then give us a call today! (404) 436-1529!