Does My Car Insurance Cover A Rental Car After an Accident?

Auto Rental Coverage Quiz

Rental coverage, available through your insurance company, pays for a rental car after an accident. Take our quick quiz to find the best options and see how much you can save.

An average repair after an auto accident takes two weeks.

What insurance company insures
your vehicle?

Take our quick quiz and we will recommend the rental coverage level and savings based on what is important to you.

For as little as

$30

a year your insurance company could cover a rental after an accident.

You could save up to

$428

Soccer, check. Dance, check. Work out, check. Keep your schedule.

Add Rental Reimbursement to your policy today.

Maintain your routine. On your time.

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in rental costs after an accident.

"With rental coverage, I don’t have to worry about trying to coordinate rides for my kids or missing out on activities if we have an accident.” - Gary

With rental reimbursement coverage through your insurance company, they can pay for a rental while your car is in the shop. Many believe this is included in their auto policy, but most policies don't automatically include this coverage or they only cover a portion of the rental.

What type of vehicle do you drive?

Select all activities that would be affected if your vehicle was in the shop for two weeks:

Rental Coverage Test

$128

YOUR AVERAGE SAVINGS

$240

Take our survey to find the best coverage for you

Select Your Auto Insurance Company

An average repair takes 2 weeks. With rental reimbursement coverage through your insurance company, they can pay for a rental while your car is in the shop. Take a quick quiz to find out average cost savings. And we'll give you tips on selecting the right level of coverage needed to maintain your busy life.

What is and is not covered?

Rental reimbursement coverage will help you pay for a rental car, but only if you need the rental car because of a covered loss. Depending on the other types of coverage you have on your vehicle, rental reimbursement coverage may also help you while your car is being repaired after non-accident-related damage (eg theft or weather-related damage). Refer to your own auto insurance policy for details on your coverage.

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. Check with your insurance agent for details.

Types of Coverage

Most policies cover a daily amount up to a limited number of days or dollars. If the daily amount is flat (eg $30), 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 $30/900 policy would cover rate and tax on a rental up to $30 a day for up to $900. Enterprise has special rates for insurance partners which vary by market.

Rental coverage options vary by insurance company and policy. Most levels will cover the cost for a range of rental vehicle sizes and models. While Enterprise has over 250 makes and models, we have summarized our options into 4 levels. Use our guide (link to pdf infographic: I00016 ccg v2) when discussing your needs with your insurance agent. Consider where you could be driving during the two-week period. That is the average time for a repair after an accident.
(Take our quiz) - link to cost calculator page:
 

Are You Covered?

It’s a good idea to check whether you’re covered. A recent survey found that 90% of people believe they have the coverage, but less than 60% of drivers have it on their policy. But no worries: You can add the coverage at any time, not just at renewal. And it’s surprisingly affordable—an entire year’s worth of Rental Reimbursement Coverage typically costs about the same as renting a car for just one day. Take our quick quiz for savings and recommended coverage levels for you. (link to calculator page: /car-rental/rental-reimbursement-insurance/cost-calculator.html)
[CALL YOUR AUTO INSURANCE COMPANY AND ASK FOR RENTAL REIMBURSEMENT COVERAGE]