Learn How To Get a Rental Car From an Insurance Claim

Editorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

Learn How To Get a Rental Car From an Insurance Claim Hassle-Free

If you’ve been in an accident and your car is severely damaged, you’ll need to find a solution to move around easily. Renting a car while your vehicle is in a repair shop is one of the best options. Many car insurance companies include rental car coverage that you can claim as soon as your car gets towed to the repair center.

Who Pays for the Rental Car After the Accident?

The insurance company of the person who caused the accident usually pays for the rental car:

  • If you caused the accident, you should contact your company to file an insurance claim
  • If someone else caused the accident, his or her insurance company should cover the costs
  • In case there wasn’t a collision, but your car was damaged while parked, your insurance company will cover the costs of the rental car

Getting a rental car coverage from the other driver’s issuer can be time-consuming. That’s why many people choose to contact their insurance company and then request reimbursement from the other driver’s company. While this is usually the quickest solution, your monthly premium rate will be higher if you file an insurance claim with your issuer.

If you need a car and can’t wait until the other driver’s company approves the claim, you should do the following:

  1. File a claim with the company of the driver who’s at fault
  2. Pay for the rental car by yourself
  3. Request reimbursement from the other driver’s insurance company

How To Have Your Rental Car Costs Covered if the Other Driver Caused the Accident

To get a rental car for free when the other driver is at fault, you should file a third-party insurance claim. To do so, follow these steps:

  1. Call the police to do a report
  2. Ask the other driver to provide his or her contact and insurance info
  3. Collect proof of how the accident happened—take pictures of the damage
  4. Contact the other driver’s insurance issuer to file a claim

How To Have Your Rental Car Costs Covered if You Caused the Accident

You should contact your insurance company to file a claim for the repair and request a rental car if:

  • The accident was your fault
  • Your insurance policy covers rental car
  • Your car suffered non-collision damage, such as theft or flooding

Should I Contact the Insurance Company for a Minor Accident?

Sometimes—if the accident is minor—the drivers included in the collision make a deal to avoid claiming insurance and increasing the premium rate. In that case, the driver who caused the accident agrees to cover the costs of repair and rental car.

File Your Car Insurance Claim With DoNotPay and Get a Rental Car Fast and Easy

DoNotPay can help you file an insurance claim with any issuer in America, including:

To file a car insurance claim quickly and stress-free, follow these steps:

  1. Access
  2. Choose the insurance type
  3. Provide the required info
  4. Describe the incident

DoNotPay will take care of the insurance claim for you. The company in question will contact you if they have additional questions.

With our help, you can claim any type of insurance, such as:

For How Long Will Insurance Pay for a Rental Car After the Accident?

Your or the other driver’s insurance issuer should cover the costs of your rental car for as long as your vehicle is in the repair shop. To be sure that’s the case with your issuer, check the contract conditions with the insurance company in question.

How To Choose a Car Rental Company After the Accident

Some insurance companies conduct business through their preferred rental car company. Insurance companies usually negotiate discounts for the policyholders and make the process more efficient:

Popular Car Insurance CompaniesPreferred Rental Car Company

Does My Car Insurance Cover Rental Cars?

Most car insurance companies offer protection plans that include rental cars. Full insurance plans usually cover rental vehicles with the original policy. If your insurance doesn’t cover it, you can purchase a separate policy for the rental vehicle in question. Rental car insurance requires you to pay additional 10–20 dollars every day you rent a vehicle.

DoNotPay Helps You Deal With Rejected Insurance Claims

Should the insurance company reject your claim, DoNotPay is here to help you appeal their decision:

  1. Open
  2. Search for the insurance type
  3. Choose to Appeal Denied Insurance Claim
  4. Follow further instructions

Besides helping you file an insurance claim and send an appeal letter, DoNotPay can also assist you in solving other insurance-related issues. We will help you find your unclaimed insurance money and cancel your policy with any insurance company, including Humana, Lemonade, Travelers, and Nationwide. If you want to sue an insurance company in small claims court, DoNotPay will help you go through the process as smoothly as possible.

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