Will my auto insurance pay for a rental if my car is in the shop?

Whether your auto insurance policy will pay for a rental car while your car is in the shop will depend on the specific terms and coverage of your policy.

If you have rental reimbursement coverage as part of your policy, then your insurance company may cover the cost of a rental car while your car is being repaired. Rental reimbursement coverage is optional in most auto insurance policies, so you'll need to check your policy to see if it's included.

If you do have rental reimbursement coverage, there may be limits on how much your insurance company will pay per day for a rental car, as well as a maximum amount that they will pay overall. Additionally, the coverage may only apply for a certain period of time, such as 30 days.

If you don't have rental reimbursement coverage as part of your policy, you may still be able to rent a car while your car is being repaired, but you will need to pay for it out of pocket. Some auto repair shops and rental car companies may offer discounts or other incentives to help offset the cost of a rental car in this situation.

It's always a good idea to review your auto insurance policy and speak with your insurance company to understand your coverage options and any limitations or exclusions that may apply.

Disclaimer: The questions and answers above are for educational purposes only. They are meant to provide the public with a general conceptual understanding of insurance and do not constitute advice or analysis. Some answers might be incomplete, outdated, and even not always accurate depending on the particular rules applicable to your state. Importantly, these questions and answers are generic and do not relate to any particular insurance product, including products available on the Waffle platform. If you have any questions about any of your own insurance products, always check the policy first and direct your questions to your insurance agent or the insurance company underwriting your policy.