Disclaimer: This article is for informational purposes only and does not constitute legal advice. Consult a licensed attorney for guidance on your specific situation.
Detailed Answer
When rental reimbursement coverage ends after a crash, you still have several ways to secure transportation while your vehicle is being repaired or replaced under New Hampshire law.
- Negotiate an extension with your insurer. Under RSA 264:21, insurers must offer rental reimbursement coverage, but policies often cap days or dollar amounts. Contact your adjuster promptly to request additional days if repairs run long.
- File a claim against the at-fault driver’s insurer. If another driver caused the collision, their liability policy may cover reasonable transportation costs as part of your property damage settlement.
- Use a courtesy or loaner vehicle. Many repair shops and dealerships provide free or low-cost loaner cars or shuttle rides. Ask your repair facility what options it offers during the work period.
- Rent through alternative channels. Compare daily rates from local rental agencies, peer-to-peer car sharing platforms like Turo, or membership-based programs. These alternatives can be cheaper than standard insurer limits.
- Rideshares and public transit. Services such as Uber, Lyft or taxis offer on-demand rides. New Hampshire’s ride-hail regulations appear in RSA 259-A:2. Buses, trains and carpools also serve many regions.
- Borrow from friends or family. A temporary loan of a household vehicle lets you avoid rental fees. Clarify insurance coverage before driving someone else’s car.
- Consider a short-term lease. Some dealers and brokers offer one- or two-month leases on newer models. Over weeks, a lease can cost less than daily rentals.
Helpful Hints
- Document all communications with insurers, repair shops and rental companies in writing.
- Keep receipts for any transport expenses to support reimbursement claims.
- Review your policy’s rental reimbursement limits and time caps as soon as you file a claim.
- Ask your insurer about endorsements that may extend or increase your rental benefit.
- Compare multiple rental and ride-share providers to find the best rates.
- Verify coverage terms before borrowing a private vehicle.