I’m often asked whether the at-fault driver’s insurance company will pay for a car rental following a car accident. I ask but seldom will the other-guy’s insurance pay to rent the not-at-fault-driver a car. The client then figures out the reality of their situation. They don’t have insurance and so the rental car company says I need to see your insurance policy, your license and a credit card. A credit card is usually a major sticking point. If you don’t have any one of the three you’re up the creek without a paddle; because rental car companies don’t rent to a customer without all three.
So when buying insurance, ask yourself how you will get to work if in an accident and there will be a lengthy delay in either replacing or repairing your car. And if you don’t have access to a second car, your choice is straightforward; add rental insurance coverage to your policy.