How long can you have a rental car after an accident?

Asked by: Prof. Breanna Daniel  |  Last update: August 24, 2025
Score: 4.5/5 (51 votes)

How Long Will Insurance Pay for a Rental Car After an Accident? Rental reimbursement insurance typically covers the cost of car rental for up to 30 days while your vehicle is being repaired due to a covered claim.

How long can I keep my rental car after the accident?

No matter the case, your rental reimbursement period cannot exceed 30 days per claim. We know that being without your car can be stressful.

How fast can I get a rental car after an accident?

If you have rental coverage under your own insurance policy — your insurance company representative will be able to help you with renting a vehicle. You should be able to get a car in just a couple of days. Call your insurance agent if you are not sure whether you have purchased rental coverage.

What's the longest you can keep a rental car?

Longer rental periods.

If you're looking at a rental period longer than six months, you'll have much more choice leasing a car than renting one. Most rental companies impose a long-term rental period limit of between three and six months.

How long does an insurance company have to provide a rental car?

The answer depends on your auto insurance policy. Insurance policies are contracts. The policy outlines the terms of the contract. Most insurance policies limit rental reimbursement coverage to around 30 days.

Rental Vehicle After Car Accident

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How to get a loaner car after an accident?

Renting a vehicle with reimbursement coverage
  1. Contact your insurance agent or claims department. First, contact your insurance agent and confirm your options for renting a vehicle via your insurance coverage.
  2. File a claim with your insurance agent. ...
  3. Confirm your rental booking through your insurance.

Who pays for a rental car after an accident?

Your insurance company will pay for your rental car costs and pursue reimbursement from the other driver's insurance company. If your insurance company succeeds, it will reimburse you for any deductible you had to pay out of its recovery from the at-fault driver's insurance carrier.

How long will insurance pay for a rental car after the car is totaled?

Rental coverage often has a limit of 14 to 30 days, depending on your policy. If your car is totaled, your car rental coverage may end as soon as a settlement is reached. It won't necessarily continue until you buy a new car.

Will insurance pay for a rental car during repairs?

Yes, if you have Rental Reimbursement Coverage, your insurance will cover the cost of a rental car while your vehicle is being repaired, even if you are at fault. If the other driver is at fault, their insurance will typically cover the cost of your rental car during the repair period.

Will my insurance company extend my rental car?

Does it extend to rental cars you may drive? In many cases, your existing car insurance policy will cover rental vehicles – at least to some extent. If you aren't sure if your car insurance policy covers rentals, check with your independent agent or Travelers representative.

How long does a rental car company have to notify you of damages?

When a vehicle is involved in an accident you can typically expect to hear from Avis in a 30-60 day time-frame from the date of the incident. The time-frame heavily depends on the type and amount of damage the vehicle endured as a result of the incident.

What happens when car insurance can't determine fault?

In some cases, fault cannot be determined by the drivers, police or insurance companies. In these cases, you have a few options. Some drivers choose to use arbitration, which is a means of settling fault without going to court. A neutral arbiter is chosen to decide the percentage of fault each driver has.

How long will insurance pay for rental car after accident progressive?

We typically reimburse your rental car fees up to 30 days at a daily limit of $40-60 per day, depending on your policy. You can adjust your reimbursement amount by logging into your policy or calling us at 1-855-347-3939.

What happens if you keep a rental car longer?

Hourly charges for your location and rental can be found on your rental contract. If you return the vehicle 2 ½ hours or more from the time it was rented on a subsequent day, you will be charged for an additional day of rental.

How can I avoid paying for rental car damage?

Buy the rental company's collision damage waiver coverage.

While this coverage can be pretty expensive, it protects you from potential damage claims. If the car is damaged while you have it, the collision damage waiver will cover it.

What is the time frame for rental cars?

Any 24-hour period from the time of pick-up equals a rental "day." For example, if you request a rental car for pick up on Friday at 9:00 am and drop off on Saturday at 9:00 am, this is considered a one day rental.

How long will Enterprise hold my rental car?

Airport Rental Locations in the US and Canada:

Reservations are valid for 24 hours from the scheduled time of pick-up for delayed flights and charges will not begin until the time of pick-up.

What happens if a car rental is closed?

Returning to a Closed Location: If the location is closed, charges will continue to accrue until it reopens.

How long can you keep a rental after an accident?

Most rental reimbursement coverage lasts a maximum of 30 days. This is usually plenty of time, since it takes an average of two weeks to repair a vehicle, according to the Insurance Information Institute. In some cases, however, car insurance may pay for a longer car rental.

How to get a free rental car after an accident?

First, if you are at-fault for the accident you are only eligible for a rental vehicle if your insurance policy has rental car coverage. If you have this benefit your car insurance company will provide a rental car if your car is damaged or destroyed in an accident that you cause.

How much does insurance pay for a rental car?

Rental coverage options vary by insurance company and policy. Most policies cover a daily amount up to a limited number of days or dollars. If the daily amount is flat (eg $40), any vehicle you select under that should include the rate and tax of the rental car if you want to avoid paying part of the rental.

Will insurance pay for rental car during repairs?

Yes, your insurance will pay for a rental car during repairs after a covered accident as long as your policy includes rental reimbursement coverage. You can file a rental reimbursement claim right away, regardless of who caused the accident.

Does an insurance company have to provide a rental car?

If your car is repairable and is in the shop for repairs, the insurance company must provide you with a rental car.

How does Enterprise handle damage claims?

The renter will submit a damage report over the phone or upon return of the vehicle along with any police reports. The rental office will document all damage to the vehicle to include with the report and process it through the loss control department.