FAQ: Do I get a rental vehicle while my vehicle is being repaired?

If its being repaired at the expense of the at fault insurance company, then the answer is YES.

You can always get a rental vehicle if you are willing to pay for it. If you want the insurance company to pay for it, while your vehicle is being repaired or replaced, then payment depends on several factors. If you caused the accident, check to see if your own insurance coverage includes rental vehicles. Many policies do not include rental vehicles unless it is specifically stated. If the other driver caused the accident, then you can expect the liable person’s insurance company to pay the costs of providing you with a rental vehicle. The vehicle will be a substitute for your own vehicle, that is, a vehicle of similar quality. Be sure to check with your own insurance company about insurance coverage on the rental vehicle.

Usually, rentals are not provided for total losses. If your vehicle is totaled then they will pay you the Fair Market Value as described above. If your vehicle is repairable, then you will get a like kind rental during the repair process. Depending on the insurance company and the time it takes them to get out to examine your vehicle, sometimes we can help get you a rental during the investigation phase of the case. However, most insurance companies want to determine fault and assess if your vehicle is repairable before authorizing a rental vehicle.