Will I Get a Rental Car if my Car is Totaled?

If you are like most drivers, then you will want to know what exactly your car insurance policy covers. If something happens and you have to make a claim on your policy, you will be in a better position if you know what the exact details of your policy are. One issue that comes up for a lot of drivers is whether or not they have rental coverage and when it will come into effect. To be sure about what your coverage is, you should review your policy and look over what it says about rentals.

If your car is totaled, then it's likely that you are going to be out of a vehicle for some time. It could take a while for you to find another vehicle that you can use or to purchase a brand new one. In this event, you will need to have a car that you can use to get your back and forth to work each day. If you want to make sure that you have the funds to pay for a rental car, then you need to make sure that you have the correct coverage on your policy.

Choose the Right Coverage

Whether or not a rental car will be paid for in the event that your car is totaled is completely up to the coverage that you have on your vehicle. If you don't have anything more than a basic policy, then you will likely not have rental car coverage on your policy and may need to change policy agreements. That means that if an accident were to occur, you would not be compensated for a rental car. You can still get one to use, but you are going to have to pay for this vehicle out of your own pocket.

When you sign up for a policy, you can elect to get rental coverage. This is a wise thing to do if you know that you have commitments that require you to drive each day. If you do have more than one car, then you might not need to get rental coverage, but those with only one vehicle may need to really consider this option. It's going to add some to your monthly premiums, but it can really be worth it. Having to pay for a rental car out of your own pocket could be quite costly, and paying a little each month on your premium is a better option.

As you are selecting you rental car coverage, you will need to decide how many days you want your policy to actually cover. You will be selecting a maximum amount of coverage that your provider will give you for this expense. This can be a tough decision to make, as there is really no way of predicting how long it will take you to find a car once yours has been totaled. The longer that you want your rental car coverage to go for, the more you are going to pay each month in premiums.

Saving on Rental Cars

If you don't have rental car coverage on your vehicle insurance policy, you might be able to get a discount on rental car expenses another way. There are lots of organizations that you might be affiliated with that will give you a discount when you rent a car, and you could save a bundle. It's really best, though, to get this coverage on your vehicle. Then you will not have to wonder if you will get a rental car if your car is totaled.
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