Disclaimer: This article is for educational purposes only and does not constitute legal advice. Please consult a qualified attorney for guidance regarding your specific situation.
Detailed Answer
Understand Your Existing Policy
Under Vermont law, all motor vehicle policies must offer Personal Injury Protection (PIP) under 23 V.S.A. §614. PIP covers medical bills and some wage loss, but it does not automatically include rental reimbursement. If you purchased rental reimbursement or loss of use coverage, review your declarations page for daily limits and term end dates. 23 V.S.A. §614
Request an Extension or Supplement
Contact your insurer as soon as rental coverage nears expiration. Many insurers allow a one-time extension on a case-by-case basis. You may have the option to add supplemental rental coverage mid-claim. The insurer can often offer a short-term extension if repairs take longer than expected.
Use Credit Card or Rental Company Insurance
If your insurer cannot extend coverage, check whether your credit card offers secondary rental insurance. Most major card issuers include collision damage waivers for rentals charged to the card. You can also buy a loss-of-use or supplemental liability policy directly from the rental car company at the counter or online, even after a crash.
Seek Reimbursement From the At-Fault Driver’s Insurer
Under Vermont tort law, you can pursue loss of use damages from the at-fault driver. Loss of use refers to the reasonable cost of renting a replacement vehicle while yours is out of service. File a property damage claim with the at-fault party’s insurer to recover these expenses. If the insurer denies full payment, you may file a small claims action in your county.
Explore Alternative Transportation
While resolving insurance issues, consider public transit, ride-sharing, carpooling or a courtesy car from your repair shop. You can negotiate a daily fee or flat rate with local rental agencies, repair shops, or friends and family. Document all expenses to strengthen any future claims.
Helpful Hints
- Review your policy’s rental reimbursement section and track the expiration date.
- Keep all rental receipts and correspondence with insurers.
- Ask for written confirmation before your insurer extends coverage.
- Check your auto repair shop for courtesy cars or service loaners.
- Document communication with the at-fault party and insurers to preserve your claim rights.