Arranging Transportation After Rental Coverage Ends in Montana

Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney to discuss your specific situation.

Detailed Answer

After a crash in Montana, your auto policy often includes rental reimbursement coverage that pays for a temporary vehicle while yours is repaired. Under Montana law, insurers must offer this optional coverage in writing (see MCA § 33-6-204). Typical policies limit reimbursement to a set daily amount and a maximum number of days. Once you reach those limits, your insurer has no obligation to continue payments. To arrange transportation beyond that point, consider these options:

1. Seek Rental from the At-Fault Insurer
   If another driver caused the crash, their liability insurer must cover your loss of use under Montana law. You can demand payment for a reasonable rental or loss-of-use damages under MCA § 27-1-313(2)(c). Send the insurer your invoice or receipts and a letter stating you’ve exhausted your policy limits.
2. Use a Courtesy Vehicle
   Many repair shops provide a loaner or courtesy car free or at a low daily rate. Ask your repair facility whether this option is available when you drop off your vehicle.
3. Credit Card or Third-Party Coverage
   Some credit cards and membership clubs (e.g., AAA) include rental car benefits. Check your card’s guide or club membership details for coverage limits and reporting requirements.
4. Public Transit and Ridesharing
   In many Montana cities, buses, shuttles, and ride-share services offer a cost-effective alternative to car rentals. Explore regional transit schedules or apps like Uber and Lyft to bridge short-term gaps.
5. Personal Vehicle Sharing
   Peer-to-peer car rental platforms (e.g., Turo) may provide competitive daily rates. Confirm that the vehicle owner’s policy or your own collision coverage extends to these rentals.
6. Small Claims for Out-of-Pocket Costs
   If the at-fault insurer refuses to cover reasonable rental or loss-of-use expenses, file a claim in Montana’s justice court for amounts within the small claims limit. Include all receipts, correspondence, and repair estimates to support your damages.

Helpful Hints

• Track all transportation receipts and invoices to support your reimbursement requests.
• Review your policy’s rental reimbursement limits before the crash to set realistic expectations.
• Submit a written demand to the at-fault insurer as soon as your coverage ends.
• Confirm any courtesy car terms in writing to avoid unexpected fees.
• Consider purchasing supplemental rental coverage if you know repairs will exceed standard limits.