Rental coverage gap
Rental reimbursement is written as a daily limit and a maximum per claim, often shown as $30/$900. Enter yours and the length of the repair to see where the coverage runs out.
- You pay yourself
- —
- Policy pays
- —
- Rental cost in all
- —
- Days the policy pays for
- —
Check your rental limits before the next claim
After a claim, the policy you had is the one you can still change. Describe your situation and Valoroath passes it to licensed insurance agents and insurers who can review your coverage and quote, if you want them to. Valoroath itself does not sell insurance or handle claims.
- 1 Five questions about your car, your record and your policy.
- 2 Who to ask for, and your consent to be contacted.
- 3 A licensed insurance agent or insurer reviews what you have. You change nothing unless you choose to.
Sending this request shares your answers and contact details with the licensed insurance agents and insurers who receive it, which some state privacy laws treat as a sale; see your privacy choices. An agent reviews your coverage; they can't take on your claim or a dispute with your insurer. You pay Valoroath nothing. The licensed insurance agents and insurers who contact you pay Valoroath for requests and set their own prices and terms; your claim stays with your insurer. How we make money.
How the gap is worked out
The policy pays the lower of the rental's daily cost and your daily limit, for each day in the shop, until the maximum per claim runs out. Whatever the rental costs beyond that is yours to pay.
Worked example: a 14-day repair with a $45 rental and $30/$900 limits. The policy pays $420 of $630, so you pay $210. Stretch the repair to 40 days and the maximum runs out after 30 days: the policy pays $900 and you pay $900.
When someone else should pay
If another driver caused the crash, their liability insurer may owe you a comparable rental for a reasonable repair time, outside your own limits. See rental reimbursement during repairs and claims against the other driver.