Why rental car coverage is important!

Have you ever gotten your car towed after an accident and were left there wondering how you were going to get to work for the next couple weeks? 

You wouldn't have to if you had rental car coverage on your car insurance policy!

Why purchasing rental reimbursement is worth it: You won't have to worry about getting rides to work, daily activities, emergencies and so on. Just because your car is out of commission, does not mean you have to be as well.

Costs about 30$ a year: The policies generally cover about 30$ a day for 30 days. Can be longer, shorter, more or less money depending on your policy. Compare that about 30$ a year to about 400$ for a few weeks of a rental. It just makes sense to have it. The rental car companies usually give you a car close to what you currently drive for ease. This, however, can only be used with auto claim through your insurance carrier. Maintenance, leisure and minor repairs do not apply. This is also a great to have if you need to buy a new car after your car is totaled.

Additional costs: If you decide to go to a rental place that is not affiliated with your insurance carrier, you may to have to pay out of pocket and submit the receipts afterward. This can take some time to get your money back. If you do go with an affiliated company, the insurance carrier may even do all the hard work for you and set up payment and a reservation. Sometimes, though, will have to put a security hold on your car, but that will be returned after the vehicle is returned.

The rental company will most likely try to sell you a damage waiver or temporary insurance for the rental. You do not need these when you rent; your current policy will cover it. If you do decide to purchase the additional coverage, that is an out of pocket expense. 

When to get the rental: If you car is safe to drive and the repairs can wait for a better time, then don't get your rental right away. There is no point in using the coverage unnecessarily. But, if you car is unsafe to drive, it is best to get the rental as soon as possible!

How to tell if your car is unsafe to drive: If you were to be pulled over by a police officer and they would be able to write you a ticket: Damaged headlights, parts falling off the car, windshield is cracking or broken, missing bumpers and so on. Also, if you notice the doors or hood will not open and clearly if the wheels are damaged. If any of these are present after an accident, GET YOUR RENTAL CAR ASAP!

Car insurance companies do not push this extra for you policy as it doesn't make them money. But once you need it the rental, you cant add it. Using it for just one day pays to have it. If there is an extra vehicle at the house, then it may not be necessary.