Does gap insurance let you rent a car if you have been in an accident, but the vehicle is not totaled? I am from Dallas, TX

Richard

Dallas, TX

No, actually gap insurance does not rent you a vehicle whether your car has been declared a total loss or not. Gap insurance does not include reimbursement for a rental car.

If you have been in an accident in that is your own fault you would have to use your own physical damage coverages such as comprehensive or collision to cover the damages to the car in Texas. To cover the cost of a rental vehicle while your car is being repaired you would need coverages such as rental car reimbursement (RR).

If your vehicle was wrecked by another party and you have put a third party claim through the at-fault party’s insurance provider then you should check if they will reimburse you for the use of a rental car while your car is being fixed.