Will my insurance cover a rental car after my Subaru broke down?

My Subaru Legacy broke down on the side of the road in Maine. Will my insurance cover a rental while my car is in the shop?

“Unfortunately, the answer is no. In most cases, car insurance will not cover a rental car if your vehicle breaks down due to mechanical failure.
If the damage was caused by a covered loss—like a collision with another car—then you may qualify for a rental vehicle. If the other driver was at fault for the accident, their insurance company may provide a rental.
If you were at fault, or if your Subaru was damaged in a non-collision event, your insurance company will pay for a rental as long as you have optional rental reimbursement coverage on your policy.”
Emily Richey
Answered on May 31, 2021

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