Disclaimer: This article is for informational purposes and does not constitute legal advice.
Detailed Answer
After a collision, your insurer may cover a rental car only for a limited time. When that rental reimbursement period ends, you still need transportation while your vehicle undergoes repairs or replacement. Under North Dakota law, rental reimbursement is an optional endorsement rather than a mandatory coverage. Here are common options to consider:
1. Extend Your Rental Agreement Directly
Contact the rental company to purchase additional days. Although rates often rise after the initial contract, you maintain control over the vehicle and schedule.
2. Review Your Insurance Policy for Endorsements
Some insurers offer extended rental reimbursement or loss-of-use coverage for collision claims. Check your declarations page or policy endorsements. North Dakota’s mandatory liability requirements are outlined in NDCC § 26.1-21.1-05, while optional rental reimbursement endorsements appear in subsection 05.4.
3. Request Transportation from the At-Fault Insurer
If another driver caused the crash, their liability insurer must pay for your reasonable rental or transportation expenses until your vehicle is repaired or a settlement is reached. Submit rental receipts or ride-share invoices when you file your third-party claim.
4. Use Repair Shop Courtesy Cars
Many body shops maintain small courtesy fleets for customer use. Ask your chosen repair facility if they provide a loaner vehicle at low or no cost under a direct repair program.
5. Utilize Rideshare or Taxi Services
Apps like Uber or Lyft offer on-demand transportation. Keep your ride receipts; if the crash was not your fault, you can seek reimbursement from the at-fault driver’s insurer.
6. Public Transit and Car Sharing
In urban areas, buses, light rail, or bike-share programs can bridge short distances. Car-share services (e.g., Zipcar) let you rent by the hour without a long-term commitment.
7. Borrow from Friends or Family
If you have a trusted network, borrowing a vehicle informally can serve as a stopgap. Ensure their policy covers additional drivers to avoid uninsured-motorist issues.
Helpful Hints
- Verify your policy’s rental reimbursement limit before a crash occurs.
- Keep all rental and ride-share receipts for potential reimbursement.
- Discuss at-fault-carrier obligations with your adjuster when making a third-party claim.
- Ask repair shops about courtesy cars or shuttle services.
- Compare hourly car-share rates versus extended rentals before deciding.