How to Use the Accident Rental Reimbursement Calculator
After an accident, you can often get a rental car covered while your vehicle is being repaired - either through loss-of-use coverage claimed against the at-fault driver's insurer, or through rental reimbursement coverage you added to your own policy. Pick a daily coverage tier and enter your estimated repair days to see the total reimbursement.
Daily limits for both types of coverage commonly land in the $30-$50 range, and most policies cap the total coverage period around 30 days regardless of how long repairs actually take. If your shop tells you repairs will run longer than that, it's worth asking about parts availability or requesting a faster turnaround, since days beyond the cap usually come out of your own pocket.
Loss-of-use and rental reimbursement work a bit differently: loss-of-use is a claim against the other driver's insurer when they caused the accident, while rental reimbursement is coverage you purchase for your own policy that pays out regardless of fault. Either way, confirm your exact daily limit and day cap with your insurer before assuming a number.
Frequently Asked Questions
Usually not unlimited - loss-of-use and rental reimbursement coverage typically caps out around 30 days. If repairs run longer, days beyond that cap often aren't covered, so it helps to confirm the repair timeline with your shop early.
Loss-of-use is typically what you claim against the at-fault driver's insurer after their accident caused your loss. Rental reimbursement is an optional coverage you add to your own policy that pays a daily amount regardless of fault. Daily limits for both commonly run around $30-$50.