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When your rental reimbursement coverage ends after a collision in Mississippi, you still have multiple ways to secure transportation. Below are common strategies under Mississippi law.

1. Claim “Loss of Use” from the At-Fault Driver’s Insurer

   If another driver caused your crash, you can demand reimbursement for reasonable rental charges as “loss of use” in your property damage claim. Mississippi courts recognize this claim, allowing you to recover documented rental costs until your vehicle is repaired or replaced. Provide itemized rental invoices and repair-time estimates.

2. Use Your Own Rental Reimbursement Coverage

   If you purchased rental reimbursement as an optional add-on, contact your insurer to extend the benefit within your policy’s per-day and time limits. Mississippi law requires liability policies to offer optional coverages like rental reimbursement (Miss. Code Ann. § 83-11-109).

3. Negotiate Directly with the Rental Agency

   Most rental companies let you extend your reservation at standard rates—often higher than insurer reimbursements. Ask about corporate or long-term discounts. Always compare the agency’s daily rate to what your insurer will cover.

4. Credit Card Rental Coverage

   Many credit cards include a collision damage waiver (CDW) and sometimes liability protection. Before extending your rental, call your card issuer to confirm if they cover additional days and under what conditions. Keep all card statements as proof.

5. Rideshare, Taxi and Public Transit

   Use Uber, Lyft, local taxi services or public buses as a short-term solution. Present your receipts to the at-fault driver’s insurer for reimbursement. Mississippi law allows recovery of reasonable transportation expenses in an auto-related property damage claim.

6. Borrow or Car-Share

   Borrow a vehicle from family or friends if their insurer extends non-owner liability coverage. Alternatively, try car-sharing services (e.g., Turo or Zipcar). Verify that your personal policy or the platform’s coverage applies to your rental period.

7. Short-Term Lease or Affordable Used Car

   If you need long-term transportation, consider a low-cost lease or buying a used vehicle. Some dealerships offer loaner cars during the purchasing process or discounted rental rates while your paperwork processes.

Helpful Hints

• Save all rental, taxi and rideshare receipts to support your claim.
• Get a written repair-time estimate from your mechanic or body shop.
• Communicate in writing with insurers and rental agencies to document approvals.
• Compare rental agency rates, insurer reimbursements and credit card benefits.
• Ask the at-fault driver’s insurer early about “loss of use” and transportation cost coverage.

Disclaimer: This article is for educational purposes only and does not constitute legal advice. Consult a qualified attorney for guidance on your specific situation.