To avoid compromising coverage and paying for out-of-pocket expenses, it's best to have full coverage or coverage for non-owners if you don't own a car but borrow or rent one frequently. 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 cannot be driven after an accident. If your insurance policy doesn't include reimbursement for the car rental and the at-fault party's insurer refuses to pay, you may have to pay the rent yourself. The at-fault driver's insurance company may still be responsible for paying the rental costs, so be sure to keep all receipts so that your lawyer can recover this expense. You have the right to choose any car rental service, whether it's a subsidiary of your insurance company or an independent rental agency.
By comparing prices and taking advantage of available discounts, Pittsburgh drivers can find affordable car insurance options. 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. With authorization, other insurers may allow you to bill the rental car directly to them, but it's less common. No, rental vehicle reimbursement coverage only applies if the vehicle needs repairs or a replacement after a covered event, such as after a car accident or after a tree falls on your car.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. If your insurance policy doesn't include reimbursement for the rental vehicle, you can apply for coverage for the rental car through the negligent or at-fault driver's insurance company. Once fault has been determined, the at-fault driver's insurance company must reimburse you or your insurance company. In conclusion, insurance rates in Pittsburgh are higher than the average cost of insurance in Pennsylvania.
As mentioned above, car insurance rates vary from company to company because the factors used to calculate the rates vary depending on the insurer. A mechanical breakdown isn't considered a covered claim, so you'll have to pay for the car rental out of your pocket if you don't have insurance against mechanical breakdowns. In addition, many auto insurance companies offer discounts to customers who purchase multiple policies through the same company. If your own insurance policy includes rental vehicle reimbursement coverage, your insurance company will pay for the car rental.