Rental vehicle reimbursement coverage is optional coverage that can cover the cost of a rental car if your vehicle is damaged in a covered accident and cannot be driven. To add rental reimbursement coverage to your policy, you usually also need comprehensive and collision coverage. Rental reimbursement coverage typically covers the cost of a rental car up to a certain amount in dollars per day for a specified number of days. Without the reimbursement coverage of a rental car, you may be responsible for the cost of a rental car if your car can't be driven after an accident.
If you have collision coverage and none of these situations apply to you, it may not be worth paying more for a damage exemption. Your credit card company may also offer rental car insurance if you use it to pay for the rental vehicle. This varies from company to company, and there are specific rules and restrictions to keep in mind. Does progressive car insurance cover rental cars? Before you go to the car rental counter, you should know what insurance coverage you need.
If you have a Progressive car insurance policy, the good news is that you also have coverage for rental cars. The caveat is that this coverage extends to the same limits as your personal auto insurance policy. More than 750,000 small business owners across the country trust us to protect their work vehicles and their livelihoods. Everyone gets personalized coverage that fits their unique needs, whether you're running a technology company in Rockville or a manufacturing business in Baltimore.
Bonzah is the best third-party provider of rental car insurance because it is the only option that offers supplemental liability insurance. Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance. Finally, buying insurance at the car rental counter is the most expensive option, but it adds convenience and peace of mind. Most cards also offer secondary coverage, meaning that you must first file a claim with your own auto insurance company (if you have one) before filing a claim with the card.
Car rental companies generally only offer minimum liability coverage, so if you don't have personal insurance, you'll probably want to purchase additional rental car insurance through the rental company. Keep in mind that not all states require car rental companies to automatically provide mandatory minimum insurance coverage. However, the minimum liability insurance offered by the car rental company is not enough to protect you in the event of an accident. Remember that your Progressive car insurance will only cover up to the limit of your own vehicle's policy.
If the damages are severe enough to justify the need to rent a car, you're likely to file a car insurance claim under your car collision insurance coverage or also under comprehensive car insurance coverage, which includes a deductible. Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car. However, drivers who need additional coverage or who don't want to pay the normal deductible of their insurance can take out rental insurance with an outside company. If your personal car is insured and you pay your rent with a credit card, you can probably skip the optional coverage offered at the rental counter.
Consequently, if you don't have a standard car insurance policy and rent a car in California without buying liability coverage from the car rental company or a third-party insurer, you'll be driving illegally without insurance. Once fault has been determined, the at-fault driver's insurance company must reimburse you or your insurance company.