One of the immediate concerns after a collision is transportation, especially if your vehicle needs repair before it can return to the road. In these situations, rental car coverage provided by your insurance can be a lifesaver. However, understanding the duration for which this coverage will last is crucial for effective planning and managing expectations.
How long does coverage last?
Rental car coverage helps cover the cost of a rental vehicle while you have your car repaired after an accident. This coverage may be optional rather than a standard part of your policy.
Because this coverage is often optional, it is important to verify whether you have this coverage as part of your policy and understand the specifics. Many policies limit rental car coverage for up to 30 days, though some may specify a daily limit for the cost of your rental. Coverage may also end early if your mechanic returns your vehicle before the 30 days are up.
What happens if coverage ends before your car repairs are completed?
Unfortunately, while most repairs take around two weeks after a crash, this may not cover all of the time you need for vehicle repairs. If repairs take longer than expected, and you exceed your policy’s maximum limit, you would be responsible for any additional rental costs.
Unfortunately, paying for transportation after your coverage ends can be costly. With rental costing $50 to $80 per day on average, it is also easy for your daily rental expenses to exceed the $30 limit often imposed by insurance policies. You may want to speak to an experienced attorney to explore your options for financial support to offset these costs and other expenses related to your car accident.
You can stay on the road and protect your rights
Understanding how long your insurance will pay for a rental car after an accident is vital to avoid unexpected expenses. Reviewing your policy details, speaking to your insurance provider and exploring your legal options can help you get personalized advice tailored to your situation.
