When the at-fault driver in an accident has insurance, their liability coverage may be responsible for covering the cost of a rental car for the other party. This process usually falls under the property damage liability portion of their insurance policy. Essentially, if you are the victim in an accident where the other driver is at fault, you may be entitled to a rental car while your vehicle is being repaired or replaced, and the at-fault driver’s insurance company should cover those costs.
However, there are some considerations and limitations. The rental coverage is typically limited to a reasonable period necessary to fix or replace your vehicle, and there might be a daily or total monetary cap on what the insurance will cover for a rental. Additionally, you’ll need to coordinate with the at-fault driver’s insurance company to make sure the rental is covered. If there are disagreements or difficulties in obtaining a rental through their insurer, you might need to temporarily cover the cost yourself and seek reimbursement later.
It’s also worth noting that if you have rental reimbursement coverage on your own insurance policy, you can choose to use it and then possibly claim the expenses back from the at-fault driver’s insurer, though this may come with conditions or affect your own policy. Always review the specifics of the policy and consult with the insurance provider for clarity on these financial responsibilities.
