State Farm Insurance Rental Car: Everything You Need to Know

Having an accident is stressful enough without worrying about transportation while your car is in the shop. Fortunately, many car insurance policies include rental car coverage. In this article, we’ll take a closer look at State Farm Insurance rental car coverage, including what it covers, how much it costs, and how to file a claim.

What is State Farm Insurance rental car coverage?

State Farm Insurance is one of the largest insurance providers in the United States. They offer a variety of insurance products, including car insurance. State Farm’s rental car coverage is an optional add-on to their car insurance policies.

Rental car coverage provides reimbursement for the cost of a rental car while your own vehicle is being repaired or replaced after an accident. This coverage is often referred to as “loss of use” coverage because it covers the loss of use of your own vehicle.

What does State Farm Insurance rental car coverage cover?

State Farm’s rental car coverage provides reimbursement for the cost of a rental car. This includes the daily rental rate as well as any taxes and fees. However, there may be limits on the daily rental rate and the total amount of reimbursement.

State Farm rental car coverage also covers any loss of use fees that the rental car company may charge while your vehicle is being repaired or replaced. Loss of use fees are charges that rental car companies impose when a car is not available for rent due to damage or maintenance.

State Farm rental car coverage may also cover other expenses associated with renting a car, such as roadside assistance and insurance for the rental car.

What does State Farm Insurance rental car coverage not cover?

State Farm rental car coverage does not cover the cost of any optional insurance or protection plans offered by the rental car company. It also does not cover any damage to the rental car, which is typically covered by the rental car company’s insurance.

Additionally, State Farm rental car coverage does not cover the cost of a rental car if your vehicle is stolen or if you need a rental car for other reasons, such as a long road trip.

How much does State Farm Insurance rental car coverage cost?

The cost of State Farm Insurance rental car coverage varies depending on a number of factors, including your location, your driving history, and the level of coverage you select. However, you can typically expect to pay around $10 per month for rental car coverage.

It’s important to note that rental car coverage is an optional add-on to your car insurance policy. You can choose to add it to your policy at any time, but you will need to pay an additional premium for the coverage.

How do I file a claim for State Farm Insurance rental car coverage?

If you need to use your State Farm rental car coverage, the first step is to contact State Farm to file a claim. You will need to provide information about the accident, including the date and location, as well as information about the rental car you will be using.

State Farm will then provide you with information about where to rent a car and what documentation you will need to provide to the rental car company. Once you have rented a car, you will need to keep all of your receipts and submit them to State Farm for reimbursement.

FAQ

Does State Farm Insurance rental car coverage cover the cost of a rental car if I am traveling?

No, State Farm rental car coverage only covers the cost of a rental car while your own vehicle is being repaired or replaced after an accident.

Does State Farm Insurance rental car coverage cover the cost of insurance for the rental car?

State Farm rental car coverage may include insurance for the rental car, but this varies depending on the policy. You should check with State Farm to determine exactly what is covered.

Is State Farm Insurance rental car coverage available in all states?

Yes, State Farm’s rental car coverage is available in all states.

Can I add State Farm Insurance rental car coverage to my policy at any time?

Yes, you can add rental car coverage to your State Farm car insurance policy at any time.

What is the maximum amount of reimbursement provided by State Farm Insurance rental car coverage?

The maximum amount of reimbursement provided by State Farm rental car coverage varies depending on the policy. You should check with State Farm to determine the specific limits of your coverage.

Conclusion

State Farm Insurance rental car coverage is a valuable add-on to your car insurance policy, providing peace of mind and financial protection if you have an accident. While the cost of rental car coverage varies depending on a number of factors, you can typically expect to pay around $10 per month for this coverage.

If you do need to use your rental car coverage, be sure to keep all of your receipts and follow the instructions provided by State Farm to ensure that you receive the reimbursement you are entitled to. With State Farm rental car coverage, you can rest assured that you will have reliable transportation while your own vehicle is being repaired or replaced after an accident.