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Do You Need Rental Reimbursement Coverage?

I often get phone calls from mid-south clients who are looking to save a few dollars on their insurance. They look at the various coverages on their policy and want to drop anything that isn’t totally necessary. Rental reimbursement coverage is one I hear about frequently.

So, do you really need it?

Rental reimbursement will pay for a rental vehicle while your car is in the shop due to a covered claim. So if the vehicle needs repairs from an accident or hail damage, rental kicks in.  If you would be in big trouble without your car for a few days, then YES you want to keep your rental coverage. If not having your car would mean not going to work or being unable to get the kids to school, then it’s pretty important.

However, if you have 3 cars and one is never driven, it’s probably not as big of a deal.  You need to look at your own situation and weigh the cost of the coverage. For many of my clients, rental coverage is less than a cup of coffee each month and worth a whole lot more when they have a claim.

Look at your situation and then call us at 901-685-2324 to schedule a review of your  insurance and let us look for personalized ways to help you control your costs without sacrificing coverage.


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