Rental Car Coverage — You better have it
If you do not carry rental coverage on your insurance policy, you can be up for surprises. Say someone hits you. You have done nothing wrong and in no way you can be found at fault. In fact, let’s say that your car was legally parked and unoccupied.
The careless driver just hits your car, breaking the head and turn lights. You are out of a car to legally be on the streets. What would you do now? You need to get to work. So you call this guys insurance company. The insurance company will tell you that they cannot provide a rental car until either a police report of their own client tells them what happened. In most parking lot accidents, the police never show up to the accident scene. So you are left to wait for the careless driver to call his own insurance company and admit he did what he did.
This process can take sometimes up to 30 days (the time allowed in most states for an insurance company to make a decision).
What to do then? Make sure you carry that coverage in your policy. Rental Car Coverage will help you in this type of situation. If you carry this coverage, all you need to do is to call your insurance company, set it up (can do this from the scene of the accident) and go pick up a car.
Read more about Rental Car Coverage here
