WalletHub, Financial Company
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No, if your car breaks down, insurance will not cover a rental car unless you have rental reimbursement coverage and the breakdown was the result of something covered by comprehensive or collision insurance. If the breakdown was the result of an underlying mechanical issue, your rental coverage will not apply.
Even if you don’t have rental reimbursement coverage with your car insurance company, you may be able to get it through an extended warranty. Extended warranties are service contracts that cover repair costs if your vehicle suffers a major mechanical failure. In addition to the breakdown coverage, extended warranty providers often include rental reimbursement coverage in their contracts. Extended warranties are usually not available from insurance companies, so you’ll need to purchase one from either a third-party company or your car’s manufacturer.
To learn more, check out WalletHub’s guides to rental reimbursement coverage and extended car warranties.
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