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Getting into a car accident is a major headache. Even a minor one can throw your whole week out of rhythm. Once you’ve made sure everyone is okay and the insurance claim is started, the next big question hits you: how am I going to get around while my car is at the body shop?
You still have to get to work. The kids still need a lift to practice. Groceries won’t buy themselves. Naturally, the first thing you want to know is, will insurance pay for rental car during repairs?
At West Coast Car Rentals, we help people in this exact situation every single day. The answer is usually a yes, but there are a few things you need to know about how the process works here in BC.
The most important factor is whether you have something called “Loss of Use” coverage. In the world of insurance, this is the specific add-on that covers the cost of a replacement vehicle while yours is being fixed.
If you have a standard ICBC policy with RoadStar or Roadside Plus, you are likely already covered. Many private insurance policies also include this as a standard feature. If you aren’t sure, the easiest thing to do is call your broker or check your policy documents for “Loss of Use.”
If another driver caused the accident, things are often a bit simpler. Generally, the insurance company of the person at fault is responsible for your transportation costs while your vehicle is out of commission. In these cases, the answer to “will insurance pay for rental car during repairs” is almost always a resounding yes.
Even if there is a dispute about who caused the crash, having your own “Loss of Use” coverage means your own insurance company will step in to cover the rental costs immediately, saving you the stress of waiting for the legal side of things to settle.
Dealing with insurance companies can feel like a full-time job. There are forms to fill out, adjusters to speak with, and fine print to read. We think you’ve been through enough stress already.
When you bring your claim to us, we do our best to take the weight off your shoulders. We work closely with insurance providers to handle the logistics. In many cases, we can set up direct billing. This means the insurance company pays us directly, so you aren’t stuck waiting for a reimbursement cheque in the mail.
Insurance companies usually aim to put you in a vehicle that is similar to your own. If you were driving a minivan to haul your family around, they generally won’t expect you to squeeze everyone into a tiny subcompact. We have a wide variety of vehicles in our fleet to make sure your temporary ride feels as close to home as possible.
If your car is headed to the shop, don’t wait until the last minute to figure out your transport. The moment you get your claim number, give us a call. We can help you verify your coverage and find out exactly how long your insurance will pay for rental car during repairs.
Accidents are a part of life, but they shouldn’t have to stop your life in its tracks. Let our team help you stay mobile, comfortable, and stress-free. Reach out to us today, and let’s get you back on the road.
Category Car RentalTag