Get Rental Car Reimbursement Insurance
Additional Coverage to Protect Your Finances
Enhance Your Coverage: Add Rental Reimbursement to Your Car Insurance
Rental Reimbursement is generally considered an add-on coverage to your regular car insurance and is optional. This type of insurance excludes coverage for vacations and while your own car is in the shop having routine maintenance.
You may choose to have your insurer pay for you directly, or you can pay out of pocket and have your insurer reimburse you for your expenses. You can expect your insurer to pay for a basic vehicle, which may be different than the type of car you normally drive. You may be able to upgrade your vehicle, but you’ll pay the price difference.
At Acceptance Insurance, our friendly agents will help you determine if cheap rental car reimbursement coverage is right for, as well as finding options that fit your situation.

What Is Rental Car Reimbursement?
Rental car reimbursement coverage pays for your substitute mode of transportation, usually a rented car, during a covered event. This type of car insurance is designed to help you with our-of-pocket expenses after a covered event, such as an accident. This coverage ensures you can stay on the road without interruption, giving you peace of mind and convenience during unexpected repairs.
What Is the Cost of Rental Car Reimbursement Coverage?
Rates vary depending on your residence zip code and your unique circumstances but are typically between $2 and $5 a month. There is no deductible. This cost is added on to your premium. There are several factors to take into consideration when you are deciding whether or not to purchase this type of protection.
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What Does Rental Car Reimbursement Coverage Cover?
Rental car reimbursement coverage pays for your alternate means of transportation while your car is being repaired or if it has been declared totaled after you have an accident. It may also cover reimbursement if your vehicle has been stolen.
Circumstances for coverage include damage from:
- Crashing into another car
- Crashing into other property (like a building)
- Crashing into wildlife
This type of plan pays for your daily car rate but does not include payments for gas or other fees, such as a car deposit.
In most cases, this protection only covers your losses if your own insurer is footing the bill. If another driver causes the wreck and their policy is paying for your accident damage, your insurer may not pay for your rental car, but their policy might.

How Much Does a Rental Car Cost?
Car rental coverage costs vary from anywhere around $40 to $100 a day or more depending on several factors, including:
- Your age
- Zip code
- Time of year
- Type of car
Renting from an agency with which your insurance company has a partnership will make payment easier — they can submit the claim directly to your insurer and keep costs within your policy limits.
If you need to rent a car and submit a reimbursement claim to your insurer, be sure to keep your policy limits in mind, as you’ll need to pay the difference between the maximum allowed coverage and the car costs. Be sure to get the full daily price quote, including the cost of any extras, such as a GPS.
Types of Auto Insurance Coverage
Does Coverage Pay for Services Like Turo?
Turo is a business through which people can rent privately owned vehicles. Each vehicle owner sets their own rates, discounts, and availability.
Most reimbursement insurance provides recompense for any rented car, so this service would be eligible. However, if there are additional fees associated with using such a service, you would pay those out of pocket. Turo may have a minimum-day requirement, so be sure your coverage extends beyond the required timeframe.
If I Rent a Friend’s Personal Car, Will It Be Covered?
This may be an option in some states. Please verify with your insurer whether they will reimburse the fees you pay to a friend to rent their personal car. You’ll also want to check with your friend’s insurance company if their coverage will apply while you drive their car.
If both insurers approve, you’ll need to submit an invoice signed by both you and your friend stating you’ve paid them to rent their car. You’ll also need to submit proof of payment, such as an electronic record or a canceled check.

How Are Rental Car and Rental Car Reimbursement Insurance Different?
While they may sound similar, these are two different terms. Rental car insurance includes four types of optional insurance you can buy to protect your rental car: collision damage waiver, supplemental liability, personal accident insurance, or personal effects coverage.
Rental car reimbursement falls into the category of optional coverages, like roadside assistance, that you can add to your existing auto policy. It pays for you to have a temporary vehicle to drive after a covered event, such as while yours is in the shop after an accident or while you’re getting your stolen vehicle replaced.
Do I Need Car Insurance Rental Reimbursement Coverage?
If you are a regular driver in high-traffic areas, such as in the city, or consistently face other situations that may increase your chances of having an accident, that few dollars each month might save you a lot in the long run.
Another element to consider is whether you have ready funds to pay for a temporary replacement car should you have an unexpected accident or other covered event. If you have little accessible money, that investment can save you a big expense should you ever need to use it.
What Should I Do After an Accident?
If you’re in an accident, stay at the scene of the accident in a safe area. Call the police, then take down the other driver’s insurance information as well as their car’s make and model. Look for witnesses and take photos of the scene, including the other vehicle. File a police report, which you may need later to help resolve claims. Be sure to contact your insurance provider right away.
Get Affordable Rental Car Reimbursement Today
Rental car reimbursement can save you money when your car is being repaired or replaced after a covered loss. Now that you know how easy it is to get rental car reimbursement coverage, be sure you’re getting it from the best insurance company.
The friendly agents at Acceptance Insurance agents can help you sign up for the right insurance right away. It’s easy! Contact us for an online insurance quote, call us at 877-405-7102, or stop by one of our local offices.
Rental Car Reimbursement FAQ
Does Coverage Reimburse Public Transportation Costs?
Public transportation reimbursement is included under this insurance. If you, for instance, take a bus or train, your policy should provide reimbursement. You’ll again need to submit proof of your payments to your insurance agent to get reimbursed.
What Is Rental Car Insurance?
Car rental companies offer rental car insurance to protect your rented car. If that’s the type of coverage you’re looking for, please speak with your car rental agent.
Keep in mind, when you rent a car, some insurance coverage may be provided by your own insurer or through the credit card you used to pay for your rental.
For How Long After an Accident Does It Cover a Rental Car?
Typically, this coverage reimburses alternate transportation costs for up to 30 days, with a maximum of between $40 and $60 a day. If you choose a rental vehicle that costs more, you’ll likely pay the difference. Alternatively, you can use this benefit to pay for public transportation, as well.