Coverage explained
Rental reimbursement and roadside assistance
Rental reimbursement pays for a rental car while yours is in the shop after a covered claim, up to a daily and total limit. Roadside assistance covers towing, jump starts, lockouts and flat tires.
What it pays for
- A rental while your car is repaired after a covered claim
- Towing to a shop
- Jump starts, lockouts, fuel delivery and flat tire changes
What it doesn’t
- A rental for routine maintenance
- Rental after a claim your policy doesn’t cover
A real-life example
Your car is in the body shop for 12 days after a covered collision claim. With rental reimbursement at $40 a day up to $1,200, you pay little or nothing for a compact rental. Without it, the rental is on you, about $45 to $60 a day.
Illustrative numbers. What a claim pays depends on your policy wording, limits and deductible.
The Florida rule
Optional. Rental usually requires collision or comprehensive on the car.
What most drivers pick
Most people with one car add rental; roadside is skipped if you already have it through the manufacturer or a club.
What it does to the price
Both are small add-ons. Check limits: $30 a day may not rent an SUV.
Questions
Do I need roadside if my new car came with it?
Probably not while the manufacturer’s program lasts. Skip the duplicate.
Go deeper
Other coverage
- Personal injury protection
- Property damage liability
- Bodily injury liability
- Uninsured motorist
- Collision
- Comprehensive
- Full coverage
- Gap and loan or lease payoff
- SR-22
- FR-44
- Non-owner car insurance
- Rideshare and delivery
Your policy’s wording decides what’s covered. David can walk you through yours.