Rental Reimbursement Coverage

Though you may rely on your car for commuting and running daily errands, an accident could leave your vehicle out of commission. That’s where rental reimbursement coverage may be able to help.  

Depending on your auto insurance policy and what type of accident has damaged your vehicle, your insurance may pay for you to use a rental car. Here are some things you may want to know about rental reimbursement coverage and how Agencia de Seguros de Accesso, LLC and Access Insurance Agency of Nevada, LLC (A Abana) can help you find insurance that works for you.  

What is rental reimbursement coverage? 

Rental reimbursement coverage is a type of auto insurance that can help pay for a rental car while your vehicle is being repaired due to a covered accident. Typically, most full coverage auto insurance policies (which include collision, liability, and comprehensive coverages) may already contain rental reimbursement. However, this auto insurance coverage option may also be optional, depending on your insurer. 

If you have a full coverage auto insurance policy and you collide with another vehicle and your car can’t be driven until repaired, your rental reimbursement coverage may pay for your rental vehicle during that duration, however, your policy may also have a limit per claim. If your car is damaged by extreme weather like hail or flooding, you may also be able to access a rental car through your insurance. Typically, your vehicle will need to have physical damage from an accident before rental reimbursement may kick in.  

What’s included with rental reimbursement? 

Rental reimbursement may apply after your car experiences certain covered damages, but it will usually have specific vehicle limitations. Here is what’s typically included with this type of coverage:  

• Daily rental vehicle limits and total caps: These limits may vary between different carriers. For example, it can be common for insurers to offer $30 to $50 per day and a total rental limit of $1500.  
• Applies during covered repairs only: This means your car must be in the shop due to a covered accident, not regular maintenance or breakdowns. 
• Rental from approved agencies: You typically may choose cars from rental companies previously approved by your insurer.  

On the other hand, your rental reimbursement coverage usually won’t cover: 

• Mechanical failures or wear and tear. 
• Rental use beyond your vehicle’s repair period. 
• Non-covered claims or uninsured repairs. 

How to get rental reimbursement coverage 

A Abana works with 20+ reputable carriers that can offer rental reimbursement as an add-on to your insurance policy. Here’s what you can do if you’re looking for this type of coverage:  

• Get a new policy: Need a brand-new auto insurance policy? Call an A Abana agent and we can help you tailor a policy to your needs.  
• Renew your current one: Our agents may be able to help you add rental reimbursement to your current policy.   

Whether you're in El Paso or Nevada, A Abana can assist you through your insurance journey.  

Why choose A Abana for auto insurance? 

When it comes to car insurance, A Abana’s experienced team is ready to help guide you through your insurance options. Here’s why drivers in Nevada and Texas trust us: 

• Affordable rates: Our agents can help you find a policy that fits your budget. 
• Bilingual agents: A Abana’s team speaks both Spanish and English, assisting you with your insurance questions without language barriers.  
• Quotes from multiple carriers: We work with multiple carriers that can help you compare insurance rates.  
• Friendly service: Our team is personable and experienced, whether you’re discussing your policy in-store, online, or by phone.  

Don’t wait until you’re stuck without a ride. Contact A Abana to help you get rental reimbursement on your auto insurance policy today. Call us 1-214-764-8868, visit an A Abana location, or go online for a free personalized quote. 

FAQs 

What types of rentals are covered? 

Depending on your policy limit and insurer, you may have a wide choice of rental options from sedans to SUVs. It may be helpful to discuss your coverage with your agent to help you understand what rental cars are available to you.  

How long will my rental be covered? 

Coverage may last for the duration of your vehicle repairs, but that depends on your policy’s daily and total limits. 

Is this the same as rental car insurance? 

No. Rental reimbursement can help pay for a rental while your own car is being repaired after being damaged from a covered accident. Rental car insurance can help pay for damages to the rental car itself, depending on the policy.  

Disclaimer:   

This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.