Accidents, theft, and vandalism can put your car in the repair shop when you least expect it. If your car’s out of commission after a covered incident and you still need to get from A to B, rental car coverage can help.
quick coverage facts
- Can help cover the cost of a rental car after a covered accident
- Esurance will reimburse you in most cases
- If you rent from Enterprise, Esurance will pay them directly
- Does not insure the rental car itself
the basics of rental car coverage
Rental car coverage (also known as rental car reimbursement) is an optional addition to your Esurance policy. It helps cover the cost of a car rental while your regular ride’s out of commission due to a covered loss, which can be a car accident, theft, or vandalism. It can also reimburse you if your regular car’s in a tow yard or if you need a rental to leave the scene of the accident.
Rental coverage is available to drivers who already have comprehensive and collision coverages on their policies. Depending on the rental duration and the type of rental car you select, your policy may cover most or all of the associated costs. If the rental exceeds your coverage limits, you’ll be responsible for covering the difference.
It’s worth noting that this coverage won’t help pay for non-damage-related rentals, like one you may need on vacation. In addition, it won’t pay for any damage incurred due to a non-covered event, like if your car breaks down in the driveway. Your rental costs can only be reimbursed after you file a claim on the incident that made the rental a necessity.
the advantages of rental car coverage
After an accident, rental car costs can add up — especially if you need the car for a few weeks or longer.
Knowing your car insurance will help pay for the costs of the rental can make a big difference for your wallet and your peace of mind.
How rental car reimbursement works
Say you’re an Esurance customer from California, and you chose rental coverage limits of $25/$750, meaning that Esurance will pay up to $25 per day and up to $750 per incident.
A week after you added this coverage to your policy, you get into a fender bender. Your car’s towed to a shop and your mechanic gives you some bad news: the front panel needs to be replaced and the part won’t arrive for a couple weeks. Suddenly, you’ll need to drive your rental car for much longer than expected.
With rental car coverage, Esurance will pay up to the limits you select to help cover the costs of the rental. If you rent through our preferred company, Enterprise, Esurance will typically pay Enterprise directly. If you choose to go through another company, you’ll most likely need to send in a receipt to be reimbursed.
CarMatch Rental Coverage® is available in 35 states
To get CarMatch, you need to have comprehensive and collision on your policy. Currently this coverage is available to Esurance customers in Alabama, Arizona, Arkansas, Colorado, Florida, Idaho, Illinois, Iowa, Georgia, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Dakota, Utah, Tennessee, Texas, Washington, West Virginia, and Wisconsin. If you add it to your policy and your car goes into the shop or is stolen, CarMatch can cover the cost of a vehicle of a comparable size and body type for up to 45 days or $3,000 — whichever comes first.
If you’re a current Esurance policyholder and have questions about your coverages, call us at 1-800-ESURANCE (1-800-378-7262). Some exclusions will apply.
buying additional car insurance for your rental vehicle
Please note that rental car coverage doesn’t cover any additional insurance you choose to add to your rental. To get a better understanding of your extra insurance options, read our myth-busting page on added rental car insurance.
having a backup plan for your car
If your car’s ever been in the shop, you know easy access to a backup car is crucial. And if you’ve ever rented a vehicle, you know that the costs can really add up.
Rental car coverage can dramatically cut your expenses and provide you with a convenient mode of transportation at a time when you need it most. If you’d like to add it to your policy, log into your account online.
If you’re shopping for a new car insurance policy that features this coverage, start a personalized quote here.