The Benefit Of Adding Car Rental Services & Travel Reimbursement To Your Auto Policy
Having auto insurance will protect you from financial risk while driving but what happens when your car is in the shop for several days and you still need to get to work? Auto insurance doesn’t automatically include rental car coverage in their policies but will often have a rental car reimbursement add-on that you can purchase. Having access to a rental car during repairs can save you a lot of hassle and it’s good peace of mind to have if you live in an area with limited mass transportation or in a household with only one vehicle to rely on.
What Does Car Rental Service Insurance Cover?
The average rental car insurance add-on will cover the daily rental rate for the car, mileage charges, and the related taxes. Often an insurance company will have a partnership with specific rental car places where you can easily get a car with the rates paid upfront. If you choose to go to a rental car place that is not in their network then you might have to pay upfront and get reimbursed later. If you do choose an out of network car rental dealership then the coverage might not be the same.
Sometimes rental car coverage will also come with travel expense reimbursement. Travel expenses are fees related to your car breaking down or needing service when you are 50 miles or more away from home. If you take a weekend trip to another state and get stuck there, the travel reimbursement could pay for your meals and lodging while the car gets fixed.
Do I Need To Purchase Additional Rental Car Insurance At The Desk?
Often times when you rent a car, they will try to get you to purchase additional car insurance for a fee. It’s important for you to know ahead of time if you really need this extra insurance or not. Chances are, if you have full coverage then you are already good to go with no additional insurance needed. If you have liability plus collision or full coverage then you are covered even if you are driving a rented car. If you only have liability, however, you might want to consider the extra coverage so you don’t get stuck paying for a brand new car if this rental gets totaled in an accident you cause.