A rental car is considered your own property, not that of others, so liability coverage typically does not extend to providing a replacement vehicle for your personal convenience. Comprehensive Coverage: The Key Distinction The most critical factor in determining rental car eligibility is the distinction between liability-only coverage and comprehensive physical damage coverage.
Does State Farm Pay Rental Car During Repair With Comprehensive Coverage
The damage must stem from a comprehensive event, such as a tree falling on it or it being stolen, to trigger the loss of use benefit. When Comprehensive Collision Coverage Applies You are much more likely to receive rental car coverage if you have elected comprehensive and collision coverage, often referred to as "other than collision" (OTC) and collision, on your policy.
Rental Reimbursement is a separate, specific coverage that directly pays for the rental car payment. Do not assume the coverage is active without confirming.
Does State Farm Pay Rental Car During Repair With Comprehensive Coverage
Loss of Use typically covers the actual rental fees and related expenses necessary to replace your vehicle while it is being repaired. Furthermore, there is usually a maximum total payout for the entire loss of use period.
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