After an accident, most people assume they’ll automatically get a rental car. In reality, a rental car is usually not included unless you add rental reimbursement coverage (sometimes called “loss of use” coverage) or the other driver’s insurance accepts liability and agrees to pay. If you want the big-picture map of auto insurance coverages in plain English, start here: Auto Insurance Explained (Personal) . This guide stays focused on one question: is rental reimbursement worth adding to your auto policy? What is rental reimbursement coverage? Rental reimbursement coverage helps pay for a rental car (or sometimes other transportation) when your vehicle is in the shop after a covered claim . It’s designed to protect your routine: getting to work, school, appointments, and life—while your car is being repaired. When does rental reimbursement pay? Rental reimbursement typically applies when: your car is not drivable or is being repaired the loss is covered under your policy (often collision or comprehensive) you stay within your coverage limits A quick refresher: collision is generally for crash-related damage; comprehensive is generally for non-collision events like theft or hail. If you want the clear breakdown with examples, see: Auto Insurance 101: Understanding Collision and Comprehensive Auto Coverage . When doesn’t it pay? Rental reimbursement usually does not apply when: the issue is mechanical breakdown or maintenance the loss isn’t covered (or you don’t carry the coverage that would apply) you choose a rental that exceeds your daily limit you’ve reached the maximum amount allowed for that claim Calm takeaway: rental reimbursement is helpful, but it’s not unlimited—and it’s not meant for every situation.