(800) 253-1482Which Driver Pays for Rental Car Reimbursement in Tennessee?
Summary: In Tennessee, rental car reimbursement can be essential after an accident, even if you're not at fault. It covers rental car costs while your vehicle is repaired but doesn’t apply to non-accident-related rentals. Adding this coverage requires collision or comprehensive insurance, and reimbursement methods vary by carrier. This coverage is a helpful safeguard if you can't afford to pay for a rental during lengthy repairs. It’s especially valuable when dealing with uninsured or underinsured drivers. Estimated Read Time: 4 mins
If you’re in an accident and need a rental vehicle, in Tennessee, the law helps those who are not at fault, however, having rental car reimbursement can be an important coverage for all drivers.
Even if you aren’t accident-prone, there are times when other drivers may not have the right coverage in place, and getting reimbursement can be difficult, often requiring lengthy legal battles.
Below, we’re taking a close look at how drivers can protect themselves with inexpensive coverage and peace of mind when paying for transportation costs after an accident.
Tennessee State Law and Rental Car Reimbursement Coverage
In Tennessee, if you're in an accident, the at-fault driver’s insurance usually covers your rental car while your vehicle is being repaired.
However, getting their insurer to pay can be challenging and may take persistence, often requiring legal help, to prove fault and negotiate a fair deal.
If the other driver is uninsured or flees, you might need to rely on your own insurance, which is where rental reimbursement coverage can help.
Adding rental reimbursement coverage to your policy can help cover rental costs after an accident for just a few extra dollars a month.
This coverage won’t apply to routine maintenance or vacation rentals, and you're still responsible for gas, mileage, and deposits, however, it’s there for you while your vehicle is in the shop and can be crucial for getting back to normal.
There's no deductible for car insurance with rental reimbursement coverage, though collision or comprehensive deductibles still apply.
How Does Rental Car Reimbursement Work for Drivers in TN?
Many insurers partner with rental car companies to offer direct billing, making the reimbursement process much simpler for you.
However, in some cases, you may still need to submit receipts to claim your rental costs.
Fortunately, you have the freedom to choose any rental service—whether it’s affiliated with your insurer or an independent agency.
Opting for an affiliated rental service can save you from the hassle of filing claims since billing is often handled directly between the insurer and the rental company.
If you decide to go with an independent rental service, you might even snag some discounts if you inform them that your car is being replaced due to an accident.
Drivers with vehicles deemed a total loss must act quickly, as your rental access will be limited.
Insurance companies usually impose caps on daily rental costs and total reimbursement, for example, some carrier policies provide around $50 per day for up to 30 days.
The types of incidents covered by auto insurance with rental car reimbursement typically align with those under your collision or comprehensive coverage, including accidents, collisions with stationary objects, or hitting wildlife.
However, it’s important to note that rental reimbursement won’t cover mechanical breakdowns or repairs unrelated to accidents.
Without mechanical breakdown insurance, you'll need to cover those rental costs out of pocket.
Even if you’re not at fault for the accident, you can still file a rental reimbursement claim—utilizing your own rental reimbursement coverage can expedite your access to a rental car if there are delays in processing claims.
Note: The claims process does not apply to drivers in an accident while operating a rental vehicle. There is a separate process for such accidents.
Is Rental Car Reimbursement Coverage Worth It in Tennessee?
Rental reimbursement coverage is a useful option for drivers needing transportation after an accident.
The cost of renting a vehicle can add up quickly and if your vehicle is in a shop being repaired for weeks at a time, you will need to cover these large costs on your own if you don’t have car rental reimbursement.
Still, drivers on a budget should note that many insurers require both comprehensive and collision coverage to qualify for this protection.
There are multi-policy discounts available and bundles that help you save but you’ll still need to account for the additional premiums you’re responsible for each month.
Furthermore, there are multiple carriers offering affordable rental reimbursement options. Be sure to compare different companies to find the lowest rates available.
Being without a vehicle can disrupt access to healthcare, work, and daily tasks. Rental reimbursement offers peace of mind during repairs, making it a smart option for those who rely on their cars.
Be sure to assess your needs and budget before choosing this coverage.
Shop Rental Car Reimbursement Coverage Quotes in TN
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Major car repairs after an accident can take one to three weeks, and without proper coverage, drivers must pay for transportation themselves.
To avoid overpaying, shopping around for personalized, affordable car insurance in Tennessee is essential.
Compare top-rated auto carriers offering rental car reimbursement coverage in Tennessee and get a free quote or ask an agent how you can save by calling the number above.
