Disclaimer: This article is for informational purposes and does not constitute legal advice. Consult a licensed attorney for advice specific to your situation.
Detailed Answer
In Missouri, rental reimbursement coverage under your auto insurance policy is an optional benefit. If your coverage ends before repairs are complete, you have several transportation alternatives:
- Negotiate Loss of Use with the At-Fault Insurer: Missouri law does not mandate loss-of-use reimbursement, but under common law negligence you can demand compensation for the reasonable cost of renting a vehicle during the period your car remains unavailable. Provide invoices showing daily rental rates and duration. If the insurer refuses, you can file a claim in small claims court for loss-of-use damages. For more information on Missouri financial responsibility requirements see RSMo §303.020.
- Extend or Purchase Additional Rental Coverage: Contact your insurer to add or increase rental reimbursement limits. Many carriers offer a mid-term endorsement to extend coverage for an added premium. Review your policy declarations and the ISO Rental Reimbursement endorsement language.
- Loaner Vehicle from the Repair Shop: Some repair facilities offer courtesy vehicles or discounted rates as part of their service. Ask your repair shop about loaner options or shuttle service to bridge transportation gaps.
- Credit Card or Other Insurance Benefits: Certain credit cards and auto clubs include rental reimbursement or travel benefits. Verify coverage details and submit documentation for reimbursement of out-of-pocket expenses.
- Alternative Transportation: Consider rideshare services (Uber, Lyft), taxis, public transit, or car-share programs (e.g., Zipcar). These options often cost less than a daily rental for short-term needs.
- Borrow from Friends or Family: Arranging temporary use of someone else’s vehicle can help you maintain mobility until your car returns from repairs.
Document all expenses and communications carefully. Keep copies of rental agreements, invoices, and correspondence with insurers to support any claims.
Helpful Hints
- Review your policy’s rental reimbursement limits and duration at renewal.
- Maintain detailed records of transportation costs and rental periods.
- Submit a written demand for loss-of-use reimbursement to the at-fault insurer promptly.
- Compare costs of various transportation methods (rental vs. rideshare) before committing.
- Ask your repair shop if they provide free shuttle or loaner services.
- Consider adding or increasing rental coverage to avoid gaps in the future.