{"id":41325,"date":"2023-12-05T15:41:01","date_gmt":"2023-12-05T20:41:01","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=41325"},"modified":"2025-02-04T14:47:41","modified_gmt":"2025-02-04T19:47:41","slug":"how-long-will-insurance-pay-for-a-rental-car","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/how-long-will-insurance-pay-for-a-rental-car","title":{"rendered":"How long will insurance pay for a rental car?"},"content":{"rendered":"\n

It\u2019s stressful enough to get into a car accident even more so if your car needs to be repaired. A rental car can help you get around while you wait for repairs or a settlement. Who pays for the rental car after an accident? How long will insurance pay for a rental car? Here\u2019s everything you need to know about substitute transportation coverage and rental car reimbursement.<\/p>\n\n\n\n

How does substitute transportation coverage work?<\/h2>\n\n\n\n

Your car insurance will help pay for a rental car if you carry substitute transportation coverage for your vehicle. Substitute transportation coverage reimburses you for a rental car or other substitute transportation if your car is damaged from a covered accident.<\/p>\n\n\n\n

At Plymouth Rock, substitute transportation doesn\u2019t just mean rental cars. We\u2019ll also reimburse you for other means of transportation, such as taxi, train or bus expenses. No matter which kind of substitute transportation you decide to go with, be sure to hang on to your receipts. You\u2019ll need to submit them to get your reimbursement.<\/p>\n\n\n\n


Substitute transportation coverage helps pay for a rental car while your vehicle is being repaired.<\/div>\n\n\n\n

This substitute transportation coverage does not cover any additional rental charges. Things like mileage charges, fuel, navigation devices, tolls, additional insurance or collision damage waivers will not be covered. If you already carry comprehensive or collision coverage on one of your personal vehicles, those coverages will apply to any rental cars you drive.<\/p>\n\n\n\n

Keep in mind that substitute transportation coverage only applies if your car is unavailable after a covered claim. It won\u2019t reimburse you for any other situations where you wouldn\u2019t have your car, like in the event of maintenance or for vacation purposes.<\/p>\n\n\n\n

How long is a rental car covered after an accident?<\/h2>\n\n\n\n

How long insurance covers a rental car depends on which insurance company you file your claim with.<\/p>\n\n\n\n

Generally, if your car is damaged by another at-fault driver you can pursue damages, like substitute transportation expenses, from their car insurance company. The company must first conduct their investigation into liability for the claim. However, it may take weeks or months before you receive money to cover substitute transportation expenses.<\/p>\n\n\n\n

Instead, you can file a claim with your own insurance policy if you carry comprehensive or collision coverage. Plymouth Rock will help you arrange for a rental car while your vehicle is being repaired. This way, you\u2019ll be back on the road in no time while you wait for your repairs.<\/p>\n\n\n\n

Our substitute transportation coverage starts when your car is brought into the shop if it\u2019s drivable, the day the claim is reported if it\u2019s not or 48 hours after it\u2019s reported stolen<\/a>.<\/p>\n\n\n\n

Your rental car expenses will be covered until the earliest of the following:<\/p>\n\n\n\n