What is Erie’s policy on rental car coverage during the claims process?
Erie's policy on rental car coverage during the claims process only covers your rental car expenses if you have a valid auto claim and transportation expenses coverage in your policy. Learn more about how rental car reimbursement works with Erie and how you can add this coverage.
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Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Melanie Musson


Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Brandon Frady
Updated November 2024
- Your collision or comprehensive auto insurance coverage may not be enough to cover rental car reimbursement after an accident
- Erie offers an add-on transportation expenses coverage to cover a rental car after an accident
- You will usually need to pay for your rental upfront, and Erie will reimburse you
One of the first questions you might ask after an accident is whether auto insurance will cover a rental during car repairs. The answer depends on your insurance provider and the policy that you have.
What is Erie’s policy on rental car coverage during the claims process? Erie Auto Insurance will cover a rental car if you have transportation expenses coverage and a valid collision or comprehensive claim. Here’s how you know if your policy includes rental car reimbursement and what it means. (For more information, read our “Does my auto insurance cover rental reimbursement if my car is being repaired?“).
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How to Know if Erie Covers Your Rental Car During the Claims Process
Not having transport while your vehicle is in for repairs can be frustrating, so it’s important to find out if your auto insurance covers rental cars. If you haven’t lined up the right coverage, your insurance company may not cover this additional expense.
Rental reimbursement coverage, or transportation expenses coverage as Erie auto insurance calls it, is usually an optional add-on to your standard insurance policy.
If you have affordable comprehensive auto insurance coverage and collision coverage with Erie, then you can add transportation expenses coverage to your policy. This ensures your rental car expenses will be reimbursed if your car needs to go in for repairs following an accident.
How Erie’s Transportation Expenses Coverage Works
Most auto insurance companies will reimburse you for a rental up to a certain amount per day (usually between $30 and $40) but Erie does things a little differently. When you select your add-on rental coverage you will choose a class of vehicle that suits your needs, and your rate will be determined accordingly.
Your coverage limit will be the maximum number of days your rental reimbursement/transportation expenses coverage will reimburse you for — which is generally 45 days for Erie, higher than the industry average of around 30 days.
It is important to note that this coverage doesn’t include the cost of gas, mileage, and security deposits for rental cars. You will also usually need to pay for your rental upfront, and Erie will reimburse you later.
Your Options for Rental Cars From Erie During the Claims Process
What type of rental car is covered? You have the choice of six different classes of rental cars, each with a corresponding premium rate. These include:
- Class 1: Compact sedan that seats up to four (E.g., Nissan Versa, Toyota Yaris)
- Class 2: Traditional sedan that seats up to five (E.g., Chrysler 200, Ford Fusion, Chevy Impala)
- Class 3: Small SUV or pickup truck that seats up to five (E.g. Ford Escape, Chevy Silverado)
- Class 4: Minivan or midsize SUV that seats up to six or seven (E.g., Chrysler Town & Country, Jeep Grand Cherokee)
- Class 5: Luxury sedan or large SUV that seats up to six (E.g., Cadillac DTS, Chevy Tahoe)
- Class 6: Vehicle with special accessibility features for someone with a disability
With Erie’s transportation expenses coverage, you can be confident that you will be covered for a rental car that makes sense for you and your needs.
Read more: How long does it take for Erie to process an auto insurance claim?
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Make Sure You Have Erie’s Rental Reimbursement Coverage
Frequently Asked Questions
Does insurance cover rental car reimbursement if you are not at fault?
If you are in a car accident and the other driver is at fault, you can file a claim with their insurance company or use your rental car reimbursement coverage while the fault is still being determined. If you use your rental car reimbursement coverage, your insurance company will recoup those costs from the other driver’s insurance company.
Do I need rental car insurance?
If you rent an auto, you will need some form of insurance, but you will only need to buy additional car insurance from the rental car company if you don’t already have personal auto insurance, you only have minimum liability insurance, or you are traveling outside of the U.S. If you pay by credit card, then your credit card company may offer coverage, too.
If my car breaks down, will insurance cover a rental?
If you have rental reimbursement coverage added to your comprehensive or collision insurance and your car broke down due to a covered incident, it will also cover a rental car. However, rental reimbursement won’t cover a breakdown due to a mechanical fault or general wear and tear.
Is Erie insurance available in Texas?
Yes, Erie insurance is available in Texas, providing a variety of coverage options, including rental car reimbursement under transportation expenses coverage.
What is the transportation expense of car insurance?
The transportation expense of car insurance refers to the coverage that reimburses you for rental car costs incurred while your insured vehicle is being repaired following an accident. With Erie, this coverage can be added to your policy and typically covers rental car costs for up to 45 days.
Does Erie insurance cover rental cars?
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