What is American Family’s policy on rental car coverage during the claims process?
American Family's policy on rental car coverage during the claims process depends on the kind of coverage you have. You might be entitled to a rental car from American Family if you have full coverage and carry rental car reimbursement coverage. Your American Family car insurance should cover any potential damages to the rental car.
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Heidi Mertlich
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Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
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UPDATED: Aug 6, 2023
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UPDATED: Aug 6, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- American Family offers rental car reimbursement coverage, which should cover the cost of a rental during a claim
- Your standard American Family car insurance coverage will apply to renting a car
- Auto reimbursement coverage also covers ride shares, taxis, and other modes of transportation
If you’re part of a single-car household, being without your car in the aftermath of an accident is a real pain in the neck. Most likely, you already know how to file a car insurance claim, but you may be wondering, “What is American’s Family policy on rental car coverage during the claims process?”
Thankfully, you aren’t without options when waiting for your vehicle to be repaired. Read on to learn what you need to know.
American Family’s Policy on Rental Car Coverage During the Claims Process
American Family has a few options for rental car coverage when you aren’t able to drive your primary vehicle. Quite a few different types of car insurance coverage policies are on offer from American Family.
American Family does offer rental car reimbursement coverage, which is an additional add-on to your current policy.
This increased cost might seem unnecessary at first, but note that you could easily exceed the annual additional cost just by renting a vehicle for a week. As such, it makes good financial sense to get the added coverage.
Read more: What documentation do I need to file a car insurance claim with American Family?
Important Things to Keep in Mind About American Family Rental Car Coverage
While some insurance companies require customers to obtain special rental car insurance, your current policy through American Family should cover any potential situation that will arise when renting a vehicle.
This perk enables you to opt out of costly rental insurance, as it extends to full coverage, liability, and comprehensive, for example.
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Determining Whether You Need Rental Car Coverage With American Family
While most rental companies might have offerings for insurance coverage, if you have a policy with American Family, you’re good to go. It might be tempting to get that additional coverage, but in this case, you’d just be incurring an additional and unnecessary expense.
In many American Family insurance reviews, the company rates less than favorably concerning its annual premium costs. However, in most cases, customers report that its claims handling and customer feedback are stellar.
That Last Word on American Family’s Policy on Rental Car Coverage
American Family has a fairly flexible policy when it comes to rental car coverage. Additionally, you can seek out reimbursement for the cost of a rental through American Family’s partnership with Enterprise.
You might find yourself without a vehicle in the aftermath of an accident, but you won’t be without coverage if you do go with a rental.
Frequently Asked Questions
Do I need to use the rental company’s insurance for the duration of a rental?
Not at all, at least with American Family coverage. If you have any sort of policy with American Family for your current vehicle, that will also apply to whatever rental car you end up with. Now, not all insurance companies will cover a rental vehicle, but American Family does.
Does American Family cover the cost of the rental car?
If you have just a basic car insurance policy, then no. If you have auto reimbursement coverage, the cost of the rental will be compensated up to the limit of the policy’s coverage. It is an additional expense to carry but is very much worth it to cut down on the potentially high costs of a rental over an extended period.
What happens if I’m in an accident while in the rental?
The claims process for a rental is going to be the same as your regular vehicle. The same rules, requirements for documentation, and avenues of communication are all going to be used to file a claim with a rental.
Are you looking for free insurance quotes?
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.