Understanding auto accident insurance policies in detail is important to save expenses after a car accident. Some policies offer transport substitutes or rental cars to provide ease of mobility when your vehicle is in the workshop so that your daily work and life activities are not hindered. But how long will insurance pay for rental car or other relevant substitutes, is a concern. 

Duration of Rental Car Coverage After an Accident

Usually, it varies from state to state, however, it consists of 30 days. An auto accident attorney will help you understand if your daily transportation expenses exceed the limit, you will have to pay the rest from your pocket.

When your vehicle is hit by a car, embracing property damage or personal injury also includes the stress of repair and an interrupted daily life. One of the important questions you may ask in such a situation is how long will insurance pay for a rental car after an accident? Well, It depends on the rental car coverage by the insurance company. Let’s understand the answers to this question in detail. 

What is Rental Car Coverage?

Rental Car Coverage is the facility of an alternate car similar to your car provided to you until your vehicle is repaired and ready to roll on the roads. It is offered by either the claimant’s insurance company or by the company of the at-fault driver. 

Insurance Pay for Rental Car in New York

In New York accidents, you might have a rental car for a week or two depending upon the time it takes to repair your vehicle. However, you might face a denial by the other party’s insurance company. In that case, you must have the following things to prove your claim;

• Police report of the accident
• Recorded statements of the witnesses
• Images and videos of the accident sites
• Personal details of the at-fault party

Insurance Pay for Rental Car in California

Rental car compensation in California depends upon the duration you and your insurance policy are mutually agreed on. If you have two weeks of rental car coverage according to your policy but the car wrack requires more time to be fixed, or you want to use the car for a longer period, you will be responsible for paying the remaining amount.

Related Post: Commercial Truck Accident Attorney

Insurance Pay for Rental Car in Texas

According to Texas Law, the at-fault party is responsible for providing rental car expenses to the victim, not the at-fault party’s insurance company. 

However, you might face two situations if you are a car accident victim in Texas. One is the at-fault driver’s insurance company offers rental car coverage. Another is, the at-fault driver’s insurance company does not include rental car coverage. 

In the second case, you will bear the rental car expenses. In the first case, you can file a claim to the at-fault driver’s insurance company and receive compensation. If the company denies the claim, you must have enough documents to submit to the insurance company to prove your claim. 

• FIR report or a written statement of the officer who admits the other party was at fault.
• Recordings of witnesses who are willing to give honest views. 

How Does Uninsured Motorist Coverage Help?

As we discussed above, there are two scenarios;

1. Rental car coverage by your insurance company
2. Rental car coverage by the at-fault party’s insurance company

Suppose you are a hit-and-run accident victim but lack rental car coverage by both companies, here you can take the help of uninsured motorist coverage if you are already insured for it. Hence, your insurance company will provide you with a rental car even if you don’t have the rental car coverage. 

What if the at-fault driver’s company lacks insurance pay for rental car coverage?

There are certain scenarios during which the other driver’s insurance company does not include a substitute for transportation or requires details to admit their driver’s fault. In such a situation, you will pay by yourself for all other expenses you bear for substitute transportation. 

Get an Auto Accident Attorney

Insurance pay for a rental car after a stressful car crash or hit-and-run accident is hectic. Take help from a legal expert, an auto accident attorney who will guide you at every step, so that you get maximum coverage.