Rental vehicle reimbursement coverage is optional coverage that can cover the cost of a rental car if your vehicle is damaged in a covered accident and cannot be driven. To add rental reimbursement coverage to your policy, you usually also need comprehensive and collision coverage. Rental reimbursement coverage typically covers the cost of a rental car up to a certain amount in dollars per day for a specified number of days. Without the reimbursement coverage of a rental car, you may be responsible for the cost of a rental car if your car cannot be driven after an accident.
If you have collision coverage and none of these situations apply, it may not be worth paying more for a damage exemption. Your credit card company may also offer rental car insurance if you use it to pay for the rental vehicle. This varies from company to company, and there are specific rules and restrictions to keep in mind. Does progressive car insurance cover rental cars? Before you go to the car rental counter, you should know what insurance coverage you need.
If you have a Progressive car insurance policy, the good news is that you also have coverage for rental cars. The caveat is that this coverage extends to the same limits as your personal auto insurance policy. Bonzah is the best third-party provider of rental car insurance because it's the only option that offers supplemental liability insurance. If you don't have a personal car insurance policy, you can purchase rental car insurance from a third-party provider directly or through the car rental company.
Car insurance for high-risk drivers may be more difficult to obtain, but you should be able to find some options through traditional insurance companies or those that specialize in high-risk coverage. By comparison, the insurance that a car rental company will sell you over the counter can easily cost twice as much. It may give you peace of mind to shell out car rental insurance and know that you won't pay more than that amount. Most cards also offer secondary coverage, meaning that you must first file a claim with your own auto insurance company (if you have one) before filing a claim with the card.
Also, make sure you meet the state's minimum requirements for car insurance to avoid driving without sufficient coverage. Drivers who prefer a practical approach to their car insurance can also enjoy Geico thanks to the company's digital tools. However, California is a key exception, as state laws allow businesses to rent cars without offering any insurance. Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance.
It helps manage the creation of insurance content that meets the highest quality standards in terms of accuracy and clarity to help Bankrate readers search for complex information on home, auto and life insurance. A mechanical breakdown isn't considered a covered claim, so you'll have to pay for the car rental out of your pocket if you don't have insurance against mechanical breakdowns. If your personal car is insured and you pay your rent with a credit card, you can probably skip the optional coverage offered at the rental counter.