Detailed Answer
Disclaimer: This article is for informational purposes only and does not constitute legal advice.
In Oregon, many insurance policies include optional rental reimbursement coverage (ORS 742.532). That coverage typically pays a fixed daily amount—often $20–$40 per day—up to a set maximum, such as 30 days. Once you exhaust that limit or if you never purchased the optional coverage, you lose insurer-paid transportation. At that point, consider the following options:
1. Demand Continued Rental from the At-Fault Driver’s Insurer
If another driver caused your crash, you may request that their liability insurer provide a rental car until your vehicle repair finishes or until they resolve your claim. Oregon law (ORS 742.504) requires the at-fault party’s insurer to pay damages including reasonable transportation costs. You can submit regular rental invoices and push for a new rental reservation once your policy’s reimbursement ends.
2. Use Credit Card or Auto Club Benefits
Many credit cards offer rental-car insurance when you pay the rental with the card. Auto clubs (AAA, etc.) sometimes include free or reduced-rate rentals. Review your cardholder agreement for collision damage waiver and liability coverage details. This can cover your costs once insurer reimbursement stops.
3. Borrow from a Friend or Family Member
Borrowing a vehicle from someone you know avoids rental fees altogether. Make sure the owner’s policy covers permissive drivers. Oregon law generally extends coverage to permissive users (check ORS 742.010).
4. Seek a Loaner or Courtesy Vehicle
Some auto repair shops and dealerships loan you a “courtesy car” at little or no cost while they service your vehicle. This option depends on availability and shop policy, so book early.
5. Utilize Rideshare, Public Transit, or Taxi Services
If daily rental fees exceed your budget, compare the cost of Lyft, Uber, local bus or light rail, and traditional taxis. Some cities in Oregon offer subsidized transit passes for low-income residents.
6. Rent a Vehicle Personally
If no free options exist, you can rent another vehicle yourself. Negotiate a lower daily rate or switch to an economy car. Be prepared to pay out of pocket, then submit reimbursement requests under the at-fault insurer’s claim.
Helpful Hints
- Review your policy’s rental reimbursement limits before a crash.
- Keep all rental and ride receipts to submit to the at-fault insurer.
- Read your credit card’s rental insurance rules carefully.
- Confirm permissive use coverage if borrowing someone’s car.
- Book courtesy vehicles early; shops often have limited supplies.
- Compare local transit passes and ride-share costs for long-term needs.