Often, the simplest way to get you into a rental car is to get a rental through your own insurance policy, if you have rental coverage.
Alternatively, you may pay out-of-pocket for your rental then seek reimbursement from the other insurance company once it completes its investigation.
It is entirely appropriate for the insurance company to provide you with a rental vehicle that is comparable to the vehicle being repaired or totaled, particularly in situations where you require a particular type of vehicle for your job or business.
Be mindful that most collision policies do not allow for endless rental coverage. You are normally allowed to rent a vehicle until your vehicle is repaired, or until the insurance company issues you payment in a total loss situation provided that such coverage is included in your insurance policy. You should inquire about a reasonable extension of the rental if you foresee a delay.
Rental car costs can add up quickly. According to the Insurance Information Institute (III), a vehicle is in the shop for an average of two weeks after an accident. That can lead to rental car expenses of $500 or more. Accordingly, it is important to know your rights and to advocate for your fair recovery.
*Note- In Wisconsin you are responsible for purchasing insurance for your rental vehicle. An at-fault insurance company in Illinois should cover that expense.
You'll also want to download our free "Ultimate Guide For Automobile Accident Victims" loaded with everything you need to know to protect your rights and receive a fair settlement.