How do I get a rental car from an insurance claim?

My car needs repairs after I was t-boned at an intersection. I can't take time off work, so I need a rental car. How can I get a rental car from insurance?

Answer
Most people depend on their cars, so needing a rental car after an accident is common. I imagine you’re already under a lot of stress, so you have two options for getting a rental car from an insurance claim.
The first option is through your insurance. If you have rental reimbursement coverage on your policy, your insurance may cover a rental car. Sometimes this coverage depends on fault, but you may be able to negotiate with your company.
Another option is if the other driver is at fault. If so, their insurance may cover your rental car. Typically when another driver is at fault, their insurance will offer to pay for a rental car while your car is in the shop.
To confirm what coverage is available to you, reach out to your insurance or the other driver’s insurance. If you don’t have rental car coverage on your policy, you may want to consider adding it in the future. You can do this by adding coverage to your current policy or requesting quotes from other companies.
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Emily Maracle
Answered on Oct 22, 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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