Is my rental car covered by Alabama car insurance if I’m in an accident?

If you’re in a car accident, you will most likely need to take your car to the shop for repairs. The only problem is that repairs can take time, and you might be out of a car for a while. And that turns into a bit of a situation when you consider that you need a car to get around – to get to work, to run errands, to visit friends or family, to take your kids to school when it’s raining. Basically, you’re thinking it’ll be necessary to get a rental car. But the thing is rental cars aren’t free. And you’re wondering if Alabama car insurance will cover the cost. We’ll explain.

Will my rental car be covered if my car is in the shop after an accident?

The rental car can be covered if you have a coverage called rental reimbursement. This is the coverage that will help you pay for your rental car while your car is in the shop after an accident. It’s necessary to have this coverage because Alabama car insurance doesn’t automatically cover the costs of a rental car. Without this coverage, you’d have to pay for the rental car out of your own pocket. And that sounds expensive, especially considering that a car usually has to spend about 14 days in the shop after an accident. The bill would add up.

Pro tip: See if your insurance company has any suggestions for a rental agency to use to get your rental car.

How long do I get to keep the rental car?

As cool as your rental car might be, you do have to give it back eventually. Your rental reimbursement coverage will most likely have a daily limit and a per-accident limit for the rental car. (An example – you could have a $900 limit per accident and a limit of $30 per day.) Make sure you pay attention to your limit of coverage so that you know how long you can have your rental car.

It’s a good idea to read your policy carefully so that you know the specifics of your coverage. It’s best to have all the details about your coverage.


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How much does rental reimbursement coverage cost?

Rental reimbursement is an extra coverage that you can add on to your policy, and it’s usually not too expensive. It’s coverage to think about if you wouldn’t be able to get by easily without your car and you don’t relish the idea of paying a rental car bill.

We can help you get quotes for car insurance so you can find out how much it would cost to include rental reimbursement coverage with your policy. Our agents are pros at helping people save money on car insurance, and our team would be happy to help you with your insurance needs.

Tips to save money on car insurance.

If you’re interested in adding rental reimbursement to your policy but are worried about the additional cost to your insurance, we have some tips to help you save money on your car insurance.

  • Think about bundling your home and auto insurance.
  • Drive a vehicle that is safe.
  • Keep a clean driving record – drive safe. You’ll be less of a risk to insure and you could get lower rates. If you have accidents and speeding tickets on your driving record, you could get higher rates for Alabama car insurance.
  • Improve your credit score.
  • Don’t forget to ask your agent about car insurance discounts.
  • Consider raising your deductible if you’re financially able to do so.
  • Get multiple Alabama car insurance quotes.

That’s rental reimbursement coverage in a nutshell. By adding it to your auto insurance policy, you’ll be able to get some insurance help if you’re ever in an accident and need to rent a car. It will probably be very affordable as an add-on to your Alabama car insurance.


Get a bundled home & auto insurance quote now and save!


If you’re looking for car insurance quotes in Alabama, we can help. Our team of insurance agents can help you get multiple auto insurance quotes, and we’ll go over different coverage options so you can have peace of mind knowing you have the right coverage for you when you get behind the wheel. To get in touch, you can give us a call or fill out our online quote form – whichever you prefer.

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