Rental reimbursement coverage
Updated for plan year 2026
In plain terms
Rental reimbursement (also called transportation expense coverage) pays a daily amount toward a rental car while your own vehicle is in the shop for a covered loss. It has a per-day limit and a per-claim cap, and it only applies when the repair follows a claim your policy covers, not routine maintenance.
A plain example
Your car needs two weeks of repairs after a covered collision. With rental reimbursement at $40/day up to $1,200, your policy covers the rental up to those limits while you wait, instead of you paying out of pocket.
Why it matters
Without it, a covered accident can still leave you paying for weeks of a rental car out of pocket. For a small addition to the premium, it removes one of the most common surprise costs after a crash.
A common point of confusion
It's not the same as the coverage that pays for damage to a rental car you rent on a trip. That comes from your existing collision and comprehensive. Rental reimbursement only pays for a substitute car while yours is being repaired.