Substitute Transportation Coverage – Why You Need It

It is easy to say no to additional auto coverage when you are signing up for a policy.  Who doesn’t want to save money?  But at what cost?  If you get in an accident you will be relieved that you have rental car reimbursement/substitute transportation coverage.  You will not be left without a car when you need to get to work.  It is peace of mind to know your insurance will reimburse you or will directly bill the insurance company the rental car cost.  The limit of coverage for a rental car is selected by you when you add the coverage to your policy.  We recommend at least $30/day for this coverage. 

It is important to know that with most companies you need to have collision and comprehensive coverage in order to have substitute transportation coverage.  Also, if you have AAA your rental car reimbursement amount is bumped up to the next tier automatically.  This means you get more money for a rental car.  Substitute transportation coverage is helpful in various scenarios when your vehicle needs to be repaired: if you are at fault in an accident or if you are in an accident that the other driver caused and they don’t have enough insurance.

All too often we hear our clients disappointed that they didn’t add substitute transportation coverage to their policy.  It is not an expensive line item on a policy and is worth it in the end.  If you have any questions about rental car coverage, please call us



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