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Guidelines
How Do I Get a Rental Car After a Car Accident?
Car insurance policies cover rental cars while their
policyholder’s vehicle is being repaired after an
accident. However, there are several important factors to
keep in mind throughout the process.
Here’s what you need to know about securing a rental car
and which insurance options can cover the costs.
Rental Coverage through Your Insurance Explained
If you have rental coverage as part of your auto insurance
policy, your insurance company will typically arrange for
a rental car right after the accident.
Rental reimbursement coverage, also known as rental car
coverage, covers the cost of renting a vehicle while yours
is being repaired due to a covered accident. You’ll want
to notify your insurance company as soon as possible after
the accident to start the process and ensure a smooth
transition to the rental.
Most rental coverage plans have a daily limit (e.g.,
$30–$50 per day) and an overall cap, such as $900 total,
so it’s important to be mindful of these limits when
choosing a rental car.
What If You Don’t Have Rental Coverage?
If you don’t have rental reimbursement coverage under your
auto policy, there’s still hope. When the other driver is
at fault, their insurance will typically cover your rental
vehicle under the property damage liability portion of
their auto policy. However, this process can take time,
especially if there are disputes about fault. If you can’t
wait, you might need to pay for the rental yourself and
seek reimbursement later.
What Happens if Your Rental Coverage Runs Out?
If your rental car coverage expires before your vehicle is
repaired, you may still be able to get your rental paid
for by the at-fault driver’s insurance. Their property
damage liability coverage is responsible for covering the
costs of your rental car while your vehicle is being
repaired. This option can provide additional relief if
your coverage limit is exhausted, but it can depend on how
long repairs take and if there are any delays in
processing claims.
How the Process Works
- 1. Contact Your Insurance: If you have rental coverage, call your insurance company immediately after the accident. They will work with a local rental company to get you a vehicle quickly.
- 2. Notify the At-Fault Driver’s Insurance: If the accident wasn’t your fault and you don’t have rental coverage, file a claim with the at-fault driver’s insurance company to cover the cost of the rental.
- 3. Pick Up the Rental: Once the claim is filed and approved, you can pick up the rental car from the assigned provider. Make sure to check the daily and total coverage limits to avoid any unexpected expenses.
- 4. Return the Rental: Once your vehicle is repaired, return the rental car to the provider. If your car is deemed a total loss, you may be allowed to keep the rental car for a few extra days while you arrange a new vehicle.
Get Fast Access to a Rental Car After an Accident with Taner or Tyler
Obtaining a rental car following an accident is usually
simple if you have rental coverage included in your
policy. If you don't, the at-fault driver's insurance may
cover these costs. However, delays can occur, making it
important to stay in contact with both insurance companies
to keep the process moving smoothly.
If complications arise or you need assistance with your
claim, consulting a personal injury attorney can help
ensure that your rights are protected and that you receive
the full compensation you're entitled to.
Book your consultation here.