Will My Auto Insurance Carrier Cover Rental Car Expenses If My Car Breaks Down?

If your car suddenly breaks down and you need a rental car to get around, will your auto insurance carrier cover the costs?

It’s an important question to ask when you’re considering auto insurance coverage.

Knowing if you’ll be covered can help you plan ahead in the event of a breakdown.

In this blog post, we’ll explore if and when your auto insurance carrier will cover rental car expenses in the event of a breakdown.

Comprehensive Coverage

When it comes to auto insurance coverage, most carriers offer comprehensive coverage that includes a variety of situations.

Comprehensive coverage is typically the highest level of auto insurance protection you can get, and it may cover rental car expenses if your car breaks down.

Most comprehensive policies provide coverage for rental car expenses when your car needs to be repaired or replaced due to a covered incident, such as a crash, theft, fire, or other unforeseen events.

However, the amount of coverage and how long it lasts will depend on the specific policy you have purchased.

In some cases, comprehensive coverage may also cover additional fees related to a rental car, such as taxes, fees, and surcharges.

Some policies may even provide coverage for things like towing fees, storage fees, and extra insurance fees.

Check your policy or contact your auto insurance carrier to find out what types of rental car expenses are covered under your comprehensive policy.

If you have comprehensive coverage, make sure you understand what it covers and what it doesn’t before renting a vehicle.

That way, you can be sure that if your car does break down, you’ll be able to get back on the road quickly without having to worry about unexpected rental car costs.

Other Coverage That May Help

If your car breaks down and you need a rental car, there are a few other coverage options you may want to consider.

Most standard auto insurance policies will not cover the cost of a rental car, but other types of coverage can help in certain situations.

If you have collision or comprehensive coverage, they may be able to provide some financial assistance.

This coverage pays for repairs or replacements due to an accident or theft.

If your vehicle is unable to be driven due to damage from a covered event, your insurance company may cover the cost of a rental car until your car is repaired.

However, this coverage does not cover the daily rental car fee; it only covers the cost of the repair.

You may also have rental car reimbursement coverage included in your policy.

This coverage pays for a rental car if your vehicle is damaged due to a covered event and needs to be repaired.

It will typically cover the cost of renting a similar vehicle for up to a certain amount per day for a certain amount of time.

It is important to note that this coverage does not pay for any additional fees such as gas or insurance, so make sure you know what is included before renting a car.

Finally, some credit cards offer rental car insurance as part of their benefits package.

Depending on your card, you may be eligible for coverage up to a certain amount per day or per accident.

Check with your credit card issuer to see what type of coverage they offer.

No matter what type of coverage you have, it’s always best to check with your insurance carrier before renting a car.

That way, you can make sure you’re covered in case of an emergency.

When You’re Not Covered

When it comes to auto insurance, most carriers will not cover the cost of a rental car if your own car breaks down.

There are some policies that may provide some coverage, such as limited coverage for a few days, but these are not common.

So, before you rent a car when your own car breaks down, make sure to double-check your policy to see if you’re covered.

If your policy does not cover rental cars in the case of a breakdown, you will have to bear the costs of renting a vehicle yourself.

This can be an expensive proposition and should be considered when you are budgeting for unexpected car repair costs.

Furthermore, it’s important to remember that your auto insurance carrier will only cover damages to your car caused by an accident.

They will not cover the cost of repairs due to wear and tear or due to mechanical failure, so you will be responsible for those costs as well.

At the end of the day, you should do your due diligence when it comes to understanding what is covered by your auto insurance policy.

Make sure to read through the fine print so that you can protect yourself from any unexpected costs.

How to Protect Yourself

Nobody wants to be stranded on the side of the road with a broken-down car. But if it happens to you, will your auto insurance carrier cover the cost of a rental car while your vehicle is being repaired?

The answer can vary from one policy to another, so it’s important to understand what your policy covers in the event of a breakdown.

Most auto insurance policies will provide some form of coverage for rental cars in the event of a breakdown.

However, the details of this coverage will vary depending on your individual policy. In some cases, the coverage may be limited to a certain period of time and/or a certain dollar amount.

Additionally, there may be other restrictions, such as only providing coverage for breakdowns that occur more than a certain number of miles away from home.


It’s important to check with your insurance provider to get a full understanding of the coverage they offer in the event of a breakdown.

You may also want to consider adding additional coverage or looking into other options such as roadside assistance plans.

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