Extended Transportation Expenses Coverage and Rental Reimbursement Insurance Coverage
Morgan & Bartlett, Baggett & Shands
What is extended transportation expenses coverage?
Extended transportation expenses coverage – sometimes referred to as rental reimbursement coverage – is an optional coverage that can pay for a rental car, other forms of transportation or other transportation expenses if your car is damaged in a covered accident. This coverage typically pays for these expenses while your vehicle is not safely drivable or is at a repair facility.
What does extended transportation expenses insurance cover?
Extended transportation expenses coverage can cover the cost of public transportation, such as bus, train or car service. This coverage applies to insured vehicles that are involved in a covered comprehensive or collision loss. It can also apply when non-owned vehicles you drive are involved in a covered loss, such as a rental car you drive while on vacation.
Do I need rental reimbursement coverage?
You should discuss your individual situation with your independent agent or Travelers representative. Generally, if you require a car daily or don’t have another alternative for transportation, you may want to consider purchasing this coverage.
How much does rental reimbursement cover?
In most states, the lowest limits provided would be up to $30 per day, for a maximum of $900, and the highest limits provided would be up to $100 per day, for a maximum of $3,000. If the rental car you choose costs more or you need to use it longer, you will be responsible for the difference.
If you have auto insurance with Travelers and use a preferred rental car company, they can bill Travelers directly for your rental car. Make sure to ask the rental car company if direct billing is available. You may be required to provide a form of payment to meet the rental company’s security deposit requirement.
You have a right to use any rental provider or location you choose. If you choose another rental provider, you may have to pay the cost up front, and Travelers will reimburse you up to the limits of your rental reimbursement coverage.
What is not covered by transportation expenses insurance?
Rental reimbursement coverage does not cover the costs of gas, mileage or any security deposit required by the rental car company.
Rental reimbursement coverage also does not include the cost of any additional coverage offered by the rental company. Typically, rental car companies will ask if you want additional coverage to cover the rental car. If you have comprehensive or collision coverage on your Travelers insurance policy, you may not need the additional coverage from the rental car company. It is up to you to decide if you wish to get the additional coverage. Talk to your Travelers representative or independent agent for guidance.
Do I have to pay my deductible for extended transportation expenses coverage?
There is no deductible applicable to extended transportation expenses coverage.
Add rental reimbursement coverage to your policy today
Travelers extended transportation expenses coverage can be useful when your personal car has been damaged in a covered accident and you need to take public transportation or rent a vehicle until yours has been repaired.
Contact your local independent agent or Travelers representative to add extended transportation expenses coverage to your policy.
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