Do You Need Rental Car Coverage? Here’s When It Makes Sense
Ever been stuck waiting for your car to come out of the shop after an accident? It’s stressful enough dealing with repairs—then you have to figure out how to get around. Do you need rental car coverage? Here’s when it makes sense to have this small but mighty add-on in your policy.
Rental reimbursement coverage helps pay for a rental car while your vehicle is being repaired after a covered accident. It’s usually inexpensive—often just a few dollars a month—but it can save you hundreds when you need it most. Without it, you could be looking at $40 or more per day out of pocket just to stay mobile.
So, when does this coverage make sense?
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If you rely on your car every day for work, school, or errands—and don’t have easy access to public transportation.
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If your household doesn’t have a second car available as a backup.
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If you’d rather not wait for the other driver’s insurance company to approve a rental after a crash.
Just remember: rental reimbursement only applies to covered insurance claims—not breakdowns, flat tires, or routine maintenance. While some credit cards or auto clubs may offer limited rental benefits, those typically don’t apply after an accident.
Ultimately, do you need rental car coverage? Here’s when it makes sense—if being without your car, even for a few days, would seriously disrupt your life. It’s a low-cost way to keep moving and maintain peace of mind when the unexpected happens.
Serving drivers across Maryland, Virginia, Washington, D.C., and the Mid-Atlantic, William Gunn Insurance can help you review your policy and find the right protection—so you’re never left stranded.