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Can you use your rental car coverage if your car breaks down?

I have rental car and towing coverage on my car insurance. My car broke down and I used my towing coverage. I now need to get it repaired. Can I use my rental car coverage while it's in the shop?

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
While your
towing and labor coverage
covers your vehicle when it breaks down, you normally aren’t able to use your rental car coverage.
Rental car coverage
provides coverage after an accident. If you submit a claim for repairs to your insurance in this situation, your rental car coverage would allow you to rent a car.
However, if your car breaks down and you need a rental car, you’ll likely have to pay for it out of pocket. To be sure, you can always reach out to your insurance company to go over what’s covered under your rental car coverage.
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