Do I have to add rental reimbursement to my policy if I have full coverage?

I have the option to add rental reimbursement coverage to my policy. I already have full coverage. Do I still need to add it?

Answer
“Even if you have both comprehensive insurance and collision insurance, you may still want to add rental reimbursement coverage.
Comprehensive and collision insurance won’t cover the cost of a rental car if your vehicle is damaged and undriveable.
To get a rental car covered by your insurance, you’d need to have rental reimbursement coverage. This would provide you with rental car coverage up to your policy’s per day and per accident limits.
While some carriers do offer a base amount with their policies, a majority of carriers require you to add it specifically for coverage.
If you aren’t concerned with how you would get around if your vehicle was damaged, you can feel confident skipping the rental car coverage. If you think it’d cause a problem, you should add it to your policy.”
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Emily Maracle
Answered on Jul 15, 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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