This type of car, motorcycle, and other motor vehicle insurance coverage will pay you a certain amount of money per day to procure a rental car in case you are in an accident.
Check with your insurance company to ensure that you will be covered either when you are at fault, or the other person is at fault.
Sometimes insurance companies will require you to pay for a rental car out of your own pocket and then submit bills to them for reimbursement. Most of the time this type of coverage only pays $20.00 to $30.00 per day up to a dollar maximum, or for a maximum of 30 days.
In many instances, the cost of getting a rental car and insuring the rental car against loss will exceed your rental car coverage policy. However, we always recommend buying rental car coverage in your insurance policy. We cannot tell you how many times we are faced with client’s who were not at fault in an accident, and they have lost their only transportation.
If the at fault motorist’s insurance does not immediately cover you for rental car payments, you will be stuck paying the entire amount on your own until either your vehicle is repaired, or you procure another vehicle. We know this is not fair. This is why we always recommend getting Rental Car Insurance Coverage.
By Norman Gregory Fernandez, Esq. , Copyright 2006
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