To get a rental car after an accident, first determine which insurance coverage applies, yours or the at-fault party’s. If you’re not at fault, the other driver’s liability insurance should provide rental reimbursement while your vehicle is being repaired, though you may need to pay upfront and seek reimbursement. Contact the at-fault driver’s insurance company, file a claim, and request rental coverage authorization. They’ll typically provide a reservation number for their preferred rental companies. If you’re at fault or fault is disputed, your collision coverage includes rental reimbursement only if you purchased this optional coverage, typically providing $30-50 daily for limited periods.Â
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Review your policy declarations to confirm rental coverage limits and duration. Contact major rental companies like Enterprise, Hertz, or Budget, many offering special accident replacement programs with insurance company billing. Provide the insurance claim number and authorization when reserving. Choose comparable vehicles to your damaged car, as insurance covers only reasonable rental costs for similar vehicles. Save all rental receipts for reimbursement claims. Rental coverage typically begins once repairs are authorized and ends when repairs are completed, or your vehicle is declared a total loss. If the at-fault insurer delays authorizing rental coverage, your attorney can pressure them, or you may need to use your own coverage initially. Without rental coverage, consider ride-sharing, public transportation, or borrowing vehicles while pursuing claims against responsible parties for rental expenses as part of your damages.
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Last updated Wednesday, January 21st, 2026
