Maximizing Your Car Rental Reimbursement in New York: What You Need to Know

If you’ve ever been in an accident and needed a rental car while your vehicle was being repaired, you may have been surprised by how quickly your insurance rental reimbursement coverage ran out. In the past, a $1,000 reimbursement might have covered a week or more of rental fees. But with rising costs, that same amount may now only get you three days—maybe even less. At Quick Insurance, we understand these challenges and make it a priority to advocate for the right coverage for our clients in Port Jervis and throughout Orange County, NY.

Understanding Rental Reimbursement Coverage

Rental reimbursement is an optional auto insurance coverage that helps pay for a rental car while your vehicle is being repaired due to a covered claim. However, coverage limits vary depending on your policy. Many standard policies provide around $30–$50 per day, with a total cap of $900–$1,500. With the rising costs of rental cars, these limits may no longer be sufficient, leaving policyholders paying out of pocket after just a few days.

Why Rental Costs Have Increased

Several factors have contributed to the sharp increase in rental car prices:

• Vehicle Shortages – The demand for rental cars has surged while supply remains limited, causing higher rental rates.

• Inflation and Rising Costs – Increased costs for repairs, maintenance, and insurance have driven up rental prices.

• Extended Repair Times – Due to supply chain issues, repair shops often take longer to fix vehicles, meaning you might need a rental for more days than expected.

How Quick Insurance Advocates for You

At Quick Insurance, we don’t just sell policies—we ensure they work for you when you need them most. Here’s how we help:

• We Push for Higher Limits – We review policies carefully and recommend rental reimbursement limits that align with current costs.

• We Find the Best Insurance Options – As brokers, we work with multiple insurers to find coverage that provides maximum value.

• We Educate Our Clients – Many drivers don’t realize their rental reimbursement might not be enough until it’s too late. We proactively inform our clients about their options so they can make the best decision.

What You Can Do

If you live in Port Jervis or anywhere in Orange County, NY, and want to ensure you have adequate rental reimbursement coverage, here are a few steps to take:

1. Review Your Current Policy – Check your daily limit and total cap for rental reimbursement.

2. Ask About Higher Limits – Consider increasing your daily reimbursement amount to at least $50–$75 per day.

3. Work with an Insurance Broker – A broker like Quick Insurance can find policies that better fit your needs.

Protect Yourself from Unexpected Costs

Rental reimbursement is a small investment that can make a big difference if you ever need it. At Quick Insurance, we take the time to ensure our clients are covered properly so they don’t face unexpected costs after an accident.

If you want to review your auto insurance policy or explore better rental reimbursement options in Port Jervis or Orange County, NY, contact Quick Insurance today. We’re here to help you get the best coverage possible!