CarInsurance.com Car Insurance Rate Quotes
> ZIP code:  Quote & Compare
CarInsurance.com Navigation
  About Car Insurance About Us
  Car Insurance Site Map Site Map

Get Free Quotes Now

Zip Code:
Save With CarInsurance.com!
Car Insurance Learning Center  Learning Center  Auto Insurance Questions & Answers   Questions & Answers  Professional Answers   Professional Answer
I was hit by an uninsured motorist. My insurance company tells me that my UM coverage does not pay for a rental car while my cars in the shop for repairs. Is that true?

If you are hit by an uninsured motorist then you would normally put a claim through your collision coverage or if you do not have this type of coverage then through your coverages for uninsured motorist property damage (UMPD). Not all states offer this type of coverage however if you do have UMPD then you could make your claim for your damages this way. You may only have UM (Bodily Injury) coverage.

Now we cannot tell you for certain if your insurance policy, specifically your UMPD, pays for a rental car since we do cannot see your policy terms however rental cars are not normally covered by uninsured motorist coverages.

It depends on the state and policy, but typically UMPD (and/or UMBI) do NOT include a rental car allowance. You can read through the terms of your policy on your own however it would appear that you checked with your insurance agent to see exactly what uninsured motorist policy covers and the agent told you that a rental car is not part of this coverage.

UMPD or UMBI is not intended to a cover rental car. You would normally need to have RREIM (Rental Car Reimbursement) coverage to get a rental car paid for by your insurance company as part of a first party claim. RREIM would give you an allowance in which to rent a car while yours is being repaired.

If you were making a third party claim against the at-fault party, if they were insured, then normally their property damages liability would cover a rental car. You may want to see if in your state you can sue the at-fault party for the rental car charges and any other expenses related to your car's damages that your uninsured motorist coverages will not cover.

Share this on: Tweet this! Add to Facebook Add Google Bookmark Digg This Windows Live Favorites Add to Del.icio.us reddit this!
StumbleUpon Save to Ma.gnolia Save to Blinklist Technorati This Submit to Propeller Furl It Seed Newsvine
Related Questions
Car Insurance RelatedDo I need insurance if I have a drivers license but no car?
Car Insurance RelatedI am trying to aquire some type of insurance to rent a car for a couple of days. I am 18 years old and do not own my own car. Can you help me?
Car Insurance RelatedIs a car rental company liable to the damages to my car if the person they rented the car to does not have car insurance at all?
Car Insurance RelatedDoes UMPD apply in PA? If so, is there a lower deductible versus your collision deductible that would be applied for a hit/run accident?
Car Insurance RelatedIs there rental car coverage on an uninsured motorists claim if you have not purchased the rental car coverage additionally?
Car Insurance RelatedI am to buy my first car. What kind of insurance can I take for test drives / rentals cars?
Car Insurance RelatedI live in Texas and Uninsured / Underinsured Motorist coverage is not required. What is the difference between Uninsured / Underinsured Motorist and Collision? If I did not have UIM/UM and was involv...
Car Insurance RelatedI have a friend that rented a car and was in a car accident but it wasn't her fault. The other driver nor her had car insurance so they didn't call the police. What is the consequences of her not hav...
Car Insurance RelatedI just go a quote for Non Owner policy from Geico. Does a "Non-Owners" policy have any restriction regarding number of day in month we can drive the car or something like that? Because in my...
Car Insurance RelatedIf I don't have car insurance at this time because I do not own a car, when I buy a car can I get insurance?
Tell us what you think about this answer.
What did you think of this question and answer?

poor 
1
2
3
4
5
6
7
8
9
10

 excellent
Tell us why you rated this car insurance question and answer this way:
Visitor Comments
No visitors have commented on this answer.
Question Details
This car insurance question was asked on 5/20/2008
This auto insurance answer was last updated on 5/22/2008
Diane requested this car insurance solution.
Rated 0 out of 10 based on 0 votes.
Claims
Print Car Insurance Answers Print this car insurance question and answer
Email Car Insurance Answers Email this auto insurance answer
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms Of Use.
©2009 CarInsurance.com, Inc. - Online Insurance Marketplace™
safe and secure auto insurance   better business bureau car insurance   Tested, Safe, and Secure Car Insurance