Disclaimer: This content is for informational purposes only and does not constitute legal advice.
Detailed Answer
When your rental reimbursement coverage ends after a crash in Utah, you still have practical options to secure transportation while your vehicle undergoes repair or replacement. Utah law does not guarantee unlimited rental days, but it allows you to explore alternative solutions.
1. Request a Rental Extension from the Insurer
If you carry rental reimbursement coverage, contact your insurer promptly. Many insurers will extend your rental period if repairs run long. Review your policy’s daily and total limits, then submit a written request before coverage lapses.
2. Seek a Courtesy Vehicle from the Repair Shop
Under the Utah Automotive Repair Act (Utah Code § 13-12a-201), repair facilities must offer a loaner or courtesy vehicle to customers who request it at least 24 hours in advance when repairs exceed $300. Inspect the loaner’s insurance status and mileage limits before accepting.
3. Leverage Credit Card or Third-Party Rental Benefits
Many major credit cards include secondary or primary rental car coverage. Review your cardholder agreement to determine coverage scope. Submit receipts and claim forms to the card issuer if eligible.
4. Arrange Alternate Transportation
If you lack further rental options, consider rideshare services, local taxi companies or public transit. Some local governments and non-profits in Utah offer discounted transportation programs for drivers displaced by accidents.
5. Negotiate Directly with the At-Fault Party’s Insurer
If another driver caused the crash, you can demand “loss of use” damages. Utah courts recognize out-of-pocket rental costs as recoverable property damage (Utah Code § 31A-22-307). Present receipts to the at-fault insurer to secure additional reimbursement for a reasonable rental period.
Helpful Hints
- Review and document your rental policy limits, including daily caps and aggregate maximums.
- Maintain clear communication with your insurer; get extensions in writing.
- Ask repair shops early if they offer courtesy vehicles under Utah Code § 13-12a-201.
- Save all rental and rideshare receipts—these are essential for claims and reimbursement.
- Compare credit card and insurer benefits before committing to a rental extension.
- Keep a log of phone calls, emails and claim numbers when dealing with insurers.
- Consider consulting a personal injury or property damage attorney to explore full recovery of your transportation costs.