Can I use my gap insurance on a rental car?

My vehicle was totaled and I need to rent a car to get to work. I have gap insurance on my car. Will it also cover a rental car until I can get a new car?

Answer
Gap insurance only provides coverage on your personal vehicle by paying the difference between what you owe on your loan and the actual cash value of your vehicle. It won’t cover any other costs associated with a totaled or damaged vehicle.
If you need a rental car to get around, check with your car insurance company to see if you have rental reimbursement coverage on your policy.
If not and you were not at fault in the accident, the other driver’s insurance may pay for a rental car for you. Your insurance company can try to negotiate with the other party’s insurance to get you a rental car.
Concerned about rental car reimbursement in the future? Use the Jerry app to compare rates from different insurance companies and upgrade your policy.”
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Emily Maracle
Answered on Aug 16, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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