Detailed Answer
After an accident in Alabama, your rental coverage may end before you resolve your claim. You still need transportation while your vehicle is in the shop or until you settle with the at-fault insurer. Under Alabama law, you have several options to arrange replacement transport:
1. Claim “Loss of Use” Damages
Alabama recognizes recovery for loss of use of personal property, including vehicles. Under Alabama Code § 6-5-410, you can demand reimbursement for reasonable rental costs or the fair market value of alternate transportation from the at-fault driver’s insurer. Be prepared to document:
- Daily rental rates charged and total days without your car.
- Receipts for ride-share, taxi, or public transit fares.
See Alabama Code § 6-5-410 on Loss of Use of Personal Property.
2. Negotiate a Settlement Provision
If the insurer disputes your loss-of-use claim, you can push to include a stipulated transportation allowance in your settlement. You and the insurer agree on an amount—often a daily or lump-sum figure—to cover rideshare, taxis, or rental expenses. Having an agreement in writing prevents future disputes.
3. Use Your Own Supplemental Coverage
Check your personal auto policy for optional Rental Reimbursement or Loss of Use coverage. If you carry it, your insurer pays directly up to your policy limits regardless of fault. Typical limits range from $20–$50 per day with caps around $600–$1,500 total.
4. Activate Roadside Assistance or Membership Programs
Services like AAA, Good Sam, or insurer-sponsored roadside assistance often include free towing and may offer discounted rental rates. Enroll or verify benefits promptly after the crash to access these services.
5. Explore Alternative Transport Methods
If you exhaust all insurance-based options, turn to public transit, carpooling, or biking. These low-cost solutions keep you moving while you negotiate or wait for repairs.
Disclaimer: This article provides general information on Alabama law and does not constitute legal advice. Always consult a qualified attorney for advice regarding your particular situation.
Helpful Hints
- Document every transportation expense. Keep receipts and date logs.
- Confirm “loss of use” claim deadlines—Alabama’s statute of limitations for property damage is two years (Ala. Code § 6-2-38).
- Read your insurance policy. Know your rental and roadside assistance benefits.
- Get written agreements when negotiating with insurers to avoid misunderstandings.
- Compare rental rates online; off-airport locations often charge less.
- Track repair-shop updates. The shorter your repair timeline, the lower your overall loss-of-use claim.