Does uninsured motorist property damage provide for a rental car in New Mexico?

I have uninsured motorist coverage on my personal policy, but I don't have rental car reimbursement. Will my insurance cover my rental car?

Answer
“In most cases, if you have uninsured motorist coverage, loss of use will be included in your policy.
This means that if your vehicle is damaged and you are unable to use it, the at fault-party’s insurance will pay for a rental car. If the at-fault party doesn’t have insurance, your uninsured motorist coverage will cover the cost.
However, not every policy contains loss of use. Some carriers may require that you instead carry rental reimbursement coverage, which is an add-on option.
You should look over your policy or reach out to your insurance carrier directly. They’ll be able to provide you with any information regarding what’s covered with your uninsured motorist property damage. “
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Emily Maracle
Answered on May 10, 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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