Rental Reimbursement coverage is relatively inexpensive and convenient when you need it. Quite often, after an accident caused by another driver, there may be a delay of days or sometimes weeks before their insurance company can be ascertained, and then, that carrier must be given an opportunity to investigate the incident to determine liability and whether they accept responsibility for the crash. Frequently, the other driver fails to report the crash, or said driver does not have an insurance card at the scene of the accident or are driving someone else’s motor vehicle and does not know the owner’s insurance company. On various occasions, the responsible driver has no insurance, or it was cancelled prior to the accident. These and other situations may delay having the driver’s insurance company provide you, the innocent party, a rental car, or not provide one at all.
In an accident, if you do not exchange sufficient information with the other driver or vehicle, awaiting a police report for said information may take weeks or even a month.
Further, if you have an accident with a driver of a rental vehicle, the Rental company must investigate first if the driver had separate coverage or purchased coverage from the Rental company and must investigate the accident to determine liability as well. All this takes time!
Having rental coverage allows you to get a car without paying out of pocket and it avoids a major annoyance as well as difficulty for you. The coverage has a minimal cost, probably less than $15-$20 every six months and is definitely worth the expense.
For any additional QUESTIONS regarding the various automobile insurance coverages, contact your insurance agent or call an Attorney at CASERTA & SPIRITI before an accident occurs!!