Enterprise

Need a vehicle after an accident?
Let us help you get back on the road.

With our extensive experience and relationships with insurance providers we can often offer special rates for replacement vehicles. 

Feeling informed about the process? Book your reservation below.

Rent with confidence

When your vehicle has been damaged, we help make the process of renting a vehicle as easy as possible—from partnering with an extensive network of body shops and insurance providers to offering special rates. And because of our vast network of locations and large fleet of vehicles, getting back on the road has never been smoother.

Renting a vehicle when you don’t have rental reimbursement coverage

If you don’t have rental reimbursement coverage as part of your auto insurance coverage, we can often provide special rental rates when you’ve had an accident.

  1. Book your rental. Start by booking a vehicle on this page at a neighborhood location near you.
  2. Ask about special rates. Inquire about special rates available to those who have been in an accident. You can do this by calling the location or at pick up time – these rates, based on your insurance provider, are frequently available regardless of whether you have reimbursement coverage or not.
  3. Arrange to be picked up. Many Enterprise locations can arrange scheduled pick-ups during regular business hours. We can offer this service to many customers through our vast network of  neighborhood locations.
  4. Bring documentation. In addition to your driver’s license and credit card, confirm your insurance provider and whether you are filing a claim.

Renting a vehicle with reimbursement coverage

If you have rental reimbursement coverage through your insurance provider, your policy may cover rental costs while your vehicle is in the shop. Use the steps below to check your coverage and book a car to get back on the road.

  1. Contact your insurance agent or claims department. First, contact your insurance agent and confirm your options for renting a vehicle via your insurance coverage. 
  2. File a claim with your insurance agent. Confirm with your insurance agent that you’ll need a replacement vehicle from Enterprise.
  3. Confirm your rental booking through your insurance. In most cases, your insurance agency will help you book a vehicle or put you in touch with Enterprise to do so. Your insurance company should also confirm billing details at this time. Many insurance companies will have Enterprise bill them directly, reducing the hassle for you.

Frequently Asked Questions

You may have a lot of questions about this process, especially if you've never rented a car before.  We're here to help.

Rental reimbursement insurance pays for the cost of a rental while your vehicle is repaired after an accident. It costs about the same as renting a car for just one day.

After an accident, you have a few options to cover your rental car expenses with Enterprise Rent-a-Car:

  • If your insurance policy includes "loss of use" coverage, it can assist in covering your rental costs, typically up to daily and total policy limits.
  • If you're not at fault in the accident, you can discuss your rental needs with the insurance adjuster, who can advise you on whether the claim includes rental coverage.
  • If you can provide documentation of the accident, proof of insurance, and are not filing a claim, you may be eligible for our lower insurance rates, allowing you to enjoy savings while still adhering to standard rental qualifications.

Your Policy: If your policy includes loss of use, rental costs can be covered. Most policies cover up to a daily and total policy limit.

Other Driver's Policy: If you were not at fault in the accident, discuss your rental needs with the adjuster. They can advise if the claim covers a rental.

We are able to offer you our lower insurance rates if you have documentation that you had an accident, are insured, and are not filing a claim. You would be able to take advantage of these lower rates. Normal rental qualifications will apply.

Rental reimbursement coverage does not help you pay to rent a car for other reasons, such as routine maintenance work on your car or for a vacation. Policies vary by insurance company and state. Refer to your own auto insurance agent for details on your coverage.

Policies vary by insurance company and state. Refer to your own auto insurance agent for details on your coverage.

Rental coverage options vary by insurance company and policy. Most policies cover a daily amount up to a limited number of days or dollars. If the daily amount is flat (eg $40), any vehicle you select under that should include the rate and tax of the rental car if you want to avoid paying part of the rental. For example a $40/1200 policy would cover rate and tax on a rental up to $40 a day for up to $1200. Enterprise has special rates for insurance partners which vary by market.

It’s surprisingly affordable: an entire year’s worth of rental coverage typically costs about the same as renting a car for just one day. *

 

* Claim based on average daily rental retail prices charged at Enterprise U.S. locations in 2024; annual rental reimbursement coverages vary based on factors including but not limited to location and age of insured, vehicle type and coverage limits. Comparison not applicable in all instances.

A recent study found that 59% of eligible policyholders do not have Rental Reimbursement coverage. Meanwhile, nearly half of those without coverage who filed a claim still rented a vehicle. **

 

** 2022 Enterprise Rental Reimbursement Study with Qualtrics in the U.S.

If you are in an accident, your safety is most important. Please call 911 or the local authorities for assistance and file a police report. Then call Roadside Assistance at 1-800-307-6666, available 24 hours a day, to report the incident. We will file a damage report and set up tow services for the damaged vehicle if it is no longer drivable.

Have additional questions? See all FAQs.