But I Have Full Coverage -- Why Can't I Get A Rental Car?

The term “full coverage” insurance is often misunderstood. Basic full coverage auto insurance includes Liability, Comprehensive and Collision coverage. You might think full coverage includes the cost of a rental car, but rental reimbursement is an optional coverage. You might also think that your auto policy covers your vehicle while you’re working part time as a pizza delivery person or an Uber driver, but those types of jobs require “ride share” coverage. Here are some common optional coverage types that require additional premium: Uninsured Motorists – covers medical expenses for you and damage to your vehicle if someone else is at fault in an accident but they do not have auto insurance. Typically, the deductible is less than your collision deductible. Personal Injury (PIP) – covers medical expenses, lost wages, and other accident-related costs, regardless of who is at fault in an accident. Rideshare – protects drivers while working their ridesharing shifts. It can bridge the gap between personal auto insurance and any insurance offered by the rideshare company. Rental Reimbursement – reimburses driver for renting a vehicle while their car or truck is being repaired after a covered loss. There is usually a maxium payout limit. It does not cover the cost of a rental car if your car breaks down. Towing/Roadside Assistance – covers the cost for lock outs, flat tires, battery jump, and towing, up to stated policy limit. Death indemnity – (when available) pays stated limit if driver or family member dies from bodily injury in a covered accident. Mexico Insurance – fills in the gap if your regular auto policy does not provide coverage for travel to Mexico. If you are not sure what your policy covers, schedule an appointment with your insurance agent, for a review of your coverage.