Disclaimer: This article is for informational purposes only and does not constitute legal advice.
Detailed Answer
After a crash, if your auto insurance rental reimbursement coverage ends, you still have several options to arrange transportation while your vehicle is repaired or replaced.
1. Transportation Expense Coverage under RI Law
Rhode Island law allows optional transportation expense coverage. Under R.I. Gen. Laws § 31-10-2.2, this coverage reimburses you for alternative transportation costs—such as taxi fares, ridesharing (Uber/Lyft), or additional rental days—up to a policy limit. If you purchased this add-on, notify your insurer promptly and submit receipts for reimbursement. See R.I. Gen. Laws § 31-10-2.2.
2. At-Fault Driver’s Insurance
If another driver caused the collision, you can claim your transportation expenses directly against that driver’s insurer. Document all costs—rental invoices, ride-share receipts, taxi bills—and submit them with your claim. Their insurer may be required to cover “loss of use” or similar expenses until your car is returned or a settlement is reached.
3. Courtesy Transportation from Repair Shops
Many repair facilities offer a free or low-cost loaner vehicle while your car is in the shop. When selecting a repair shop, ask whether they provide courtesy cars. Availability varies by shop, so confirm this before authorizing repairs.
4. Rental Company Hardship Extensions
If your insurer-paid rental expires, contact the rental agency directly. Explain the situation and request a hardship extension or discounted rate. Some companies reserve vehicles for extended rentals at reduced daily rates.
5. Public Transit and Ridesharing
Depending on your location, Rhode Island offers public transit services (e.g., RIPTA) with fixed fares. Alternatively, rideshare apps can provide point-to-point service. If you have transportation expense coverage or pursue a third-party claim, keep these receipts for reimbursement.
6. Personal Network & Taxis
Ask friends or family for rides while you sort out coverage. For short trips, conventional taxis remain an option. Track and retain all receipts, and submit them with any insurance claims.
Helpful Hints
- Review your policy declarations page to know your coverage limits and exclusions.
- Notify your insurer and at-fault party’s insurer immediately after the crash.
- Keep detailed records: dates, mileage, costs, and vendor contact information.
- Ask repair shops about courtesy cars before authorizing repairs.
- Check RIPTA routes and schedules at ripta.com.
- Explore rental agency hardship or loyalty programs for lower rates.
- Get written estimates from all providers to avoid surprise charges.
- Retain receipts for all transportation expenses to maximize reimbursement.