Car, Information, Rental

Will Insurance Pay for Rental Car During Repairs?

A Man in Blue Suit Checking a Car

When your car is in the shop for repairs, the last thing you want to worry about is transportation. The good news is that insurance might cover the cost of a rental car during these trying times. In this article, we’ll explore the intricacies of whether insurance will pay for a rental car during repairs, providing you with expert insights and answers to frequently asked questions (FAQs).

Understanding Rental Car Coverage

What is Rental Car Coverage?

Rental car coverage, often referred to as rental reimbursement, is an optional add-on to your auto insurance policy. It helps cover the cost of renting a vehicle while your car is in the repair shop.

Is Rental Car Coverage Necessary?

While rental car coverage is optional, it can be a lifesaver when your car is undergoing repairs. Without it, you may have to pay for a rental car out of pocket.

How Does Rental Car Coverage Work?

If you have rental car coverage, your insurance company will typically reimburse you for a rental car’s cost, up to a specified daily limit and maximum dollar amount. The coverage usually applies when your car is being repaired due to a covered accident or claim.

Will Insurance Cover Your Rental Car During Repairs?

Qualifying for Coverage

To have your rental car expenses covered by insurance during repairs, your situation must meet specific criteria. This includes the repair being necessary due to an accident or an insured event.

Contact Your Insurance Company

The first step to determine if your insurance will pay for a rental car during repairs is to contact your insurance company. They can provide details about your policy’s coverage and guide you through the process.

Types of Rental Car Coverage

There are two main types of rental car coverage: a rental car reimbursement rider and rental car insurance. Both may cover the cost of a rental car during repairs, but the specifics can vary.

FAQs about Rental Car Coverage

What if the Repairs Are Not Due to an Accident?

If your car is in the shop for routine maintenance or non-accident-related repairs, rental car coverage may not apply. It’s essential to understand the terms of your policy.

Is There a Waiting Period?

Some insurance policies have a waiting period before rental car coverage takes effect. It’s crucial to know this waiting period to plan accordingly.

Can I Choose Any Rental Car?

Insurance companies often have guidelines on the type of rental car you can choose. It’s advisable to discuss your options with your insurance provider.

How Do I Get Reimbursed?

Typically, you’ll need to save your rental car receipts and submit them to your insurance company for reimbursement. Ensure you follow their specific guidelines.

What if the Repairs Take a Long Time?

In cases where repairs take an extended period, rental car coverage may have limitations. Be aware of these limitations and plan accordingly.

Will My Rates Increase if I Use Rental Car Coverage?

Using rental car coverage for a legitimate claim should not cause your insurance rates to increase. It’s considered a benefit of your policy.


When your car is in the repair shop, the last thing you want to stress about is transportation. Rental car coverage can be a lifesaver in these situations. Remember, the specifics of whether insurance will pay for a rental car during repairs can vary depending on your policy and the circumstances. Contact your insurance provider, discuss the terms, and make sure you’re well-informed. With the right coverage, you can focus on getting your car back on the road without breaking the bank.