After a car accident, it can be an expensive hassle to arrange for alternate transportation while your vehicle is being repaired.

Rental car reimbursement helps pay for a rental if your vehicle can’t be driven due to a covered collision or comprehensive insurance claim. Without rental reimbursement, you run the risk of having to pay for the rental yourself.

Understanding how much coverage you have

Your rental reimbursement amount is typically specified using a daily limit and an overall maximum amount.

For example: You need a rental car while your car is being repaired. Your policy defines rental reimbursement coverage as 30/600. This means you have $30 per day and a maximum of $600 during the entire time the vehicle is being repaired. Read your policy carefully to determine how much of the rental costs will be covered.

A lower daily limit could mean a lower premium

If a lower premium is important to you, purchase a lower daily rental reimbursement limit. With a lower daily limit, you’ll still have some rental car coverage. And the comfort knowing your out of pocket premium is a little lower.

Reimbursement for public transportation

Renting a car isn’t your only option. Reimbursement could still apply if you take the subway or a taxi to work. Talk to your agent to find out more.

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Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.