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?

Answer provided by
Emily Richey
Answered on May 31, 2021
“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.”

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