Detailed Answer
After a collision, your auto policy’s rental car reimbursement often ends once the rental allowance expires. Maryland law treats rental reimbursement as an optional add-on under Maryland Insurance Code § 19-504(link). When that coverage ends, consider these strategies to maintain mobility without violating your insurer’s policy or incurring unexpected costs.
1. Request an Extension from Your Insurer
Contact your claims adjuster immediately. Explain any repair delays and ask if your insurer can extend the rental reimbursement period. Some carriers grant brief extensions, especially when repair shops face parts shortages.
2. Seek a Courtesy Vehicle from the Repair Shop
Many body shops partner with rental fleets and offer a complimentary loaner car (also known as a courtesy vehicle) to keep you on the road. Confirm insurance requirements and any mileage limits before you accept the loaner.
3. Public Transportation and Rideshare Services
- Subway, bus, or light rail can provide reliable daily transit if you live near stops.
- Ridesharing apps or taxis offer on-demand rides. Keep receipts—if another driver caused the crash, you may recover these costs in your bodily injury or property damage claim.
4. Alternative Rental Options
Compare short-term rentals through peer-to-peer platforms or local independent agencies. Rates may beat major chains, especially if you arrange weekly deals.
5. Claim Transportation Expenses from At-Fault Party
If another driver’s negligence caused the accident, you can include “loss of use” or “transportation expense” damages in your third-party property damage claim. Maryland courts allow these incidental costs under common law. Document expenses carefully: receipts, dates, mileage logs.
6. Uninsured/Underinsured Motorist Coverage
Your UM/UIM coverage may cover rental reimbursement or transportation costs when the at-fault driver lacks sufficient insurance. Check Maryland Insurance Code § 19-509(link) for details.
Disclaimer
This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney in Maryland to address your unique situation.
Helpful Hints
- Document everything: save all rental, rideshare, taxi, and public transit receipts.
- Keep a mileage log if you use a courtesy or rental vehicle not covered by your policy.
- Ask your repair shop for written confirmation of any repair delays.
- Check your policy’s fine print regarding mileage limits and daily rental caps.
- Notify your insurer promptly of any change in transportation arrangements.