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Yes, insurance covers rental car reimbursement if you’re not at fault in an accident and your vehicle is damaged. While your car is being repaired, you can file a claim with the at-fault driver’s property damage liability insurance or use your own rental car reimbursement coverage if fault is not immediately clear. If you rent the car through your policy, your insurance company will recoup the cost of the claim from the other insurer through subrogation.
If you’re filing a claim with the at-fault driver’s insurance, keep in mind that they’re only responsible for covering reasonable expenses. This means that you’ll be covered for a car that’s a similar value to the one that was damaged, and you will only be reimbursed for a certain amount of time. In most cases, the insurer will pay for the rental car until your old vehicle is fixed, unless you delay the repair process.
If it’s clear that the other driver was at fault, then their insurer may pay for the rental directly. But if the process of determining fault takes longer, you may need to pay for the rental yourself and get reimbursed by the at-fault driver’s insurer once the insurance adjuster concludes their investigation.
To learn more, check out WalletHub’s guide to rental reimbursement coverage.
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