Understanding Rental Coverage

When you’re in a car accident, the bills for repairs can be overwhelming. Not only are you responsible for the cost of damage to your vehicle, but also subsequent rental fees if repairs take an extended period of time. In these situations, having rental coverage from your insurance provider is essential.

Knowing what type of coverage you have can help prevent unexpected costs and financial burdens during this stressful time. Liberty Collision wants to help you secure additional protection. Read on to learn more about understanding rental coverage during collision repairs!

What is rental coverage for collision repair, and how does it work?

Rental coverage for collision repair is insurance coverage that pays for the cost of renting a vehicle, while your own car is being repaired. It’s a great way to ensure that you’re not paying out of pocket for a rental, during an already costly incident. In general, most accident-related rental fees will be covered by your insurer, though you might need to pay a small deductible, depending on the terms of your policy.

How can you determine if your vehicle is covered under rental coverage for collision repair?

Rental coverage for collision repair is prudent and simplifies already stressful scenarios. It is important to note that rental coverage for collision repair is usually not included in the “full coverage” insurance policies. Rather, it is listed as an add-on that must be purchased separately. Consequently, if you want to secure this type of protection, make sure to ask your insurance carrier for it specifically.

Every insurer offers a different level of protection and it’s important to review the details before purchasing a plan, in order to determine that you’re getting the coverage you need, in case of an accident. When shopping for your insurance policy, you should specifically ask about rental coverage. The deductible cost of the rental coverage plan varies based on the insurer, but it is generally more affordable than renting a car following an accident that damages your vehicle, without rental coverage for collision repair.

What additional questions should you ask your insurance provider?

When speaking to your insurance provider, it’s important to ask pertinent questions, such as:

  • Does the rental company provide full liability and collision coverage?
  • How much is the daily rate for a rental vehicle?
  • Is there a cap on how long I can keep the rental car before being charged extra?
  • Are there any additional costs for me to be aware of?

How does vehicle rental work, exactly?

In most cases, you will be entitled to a replacement vehicle that is comparable in size and quality to your own. Ideally, this means that if your car is a sedan, the rental company should provide you with another sedan. However, if you decide to upgrade the size of your rental vehicle, you may be responsible for additional costs.

Wondering exactly what your coverage covers?

Understanding what type of rental coverage your carrier provides is essential. It helps to prevent financial surprises during a trying time, and ensure that you are receiving the protection you need in case of an accident. Liberty Collision wants to help make sure that you’re getting the best coverage for your needs by asking the right questions to understand the details.

Understand your rental coverage and maximize your protection with Liberty Collision. We are a premier collision repair center, here for all of your auto body needs! Your satisfaction is our top priority. Call us today!

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