First of all, you usually have to add an endorsement to your policy to have coverage for a rental vehicle.
Second, even if you add this coverage, your insurance will only pay for a rental vehicle if you have a covered claim. If a claim hasn’t been turned in to your auto insurance company, they will not pay for your rental vehicle.
Most insurance companies offer rental insurance on a daily dollar limit. For instance, you may have coverage of $20 a day. If you choose a car that costs more than that, you pay the difference.
If you have 4 kids and usually drive a mini-van, you will probably want to rent a mini-van if your car is in the shop for a covered claim. Chances are, $20 a day will not cover rental fees for a mini-van.
Rather than offer a daily limit, Erie policies allow you to select a class of vehicle.
Class 1: Compact sedan
Class 2: Traditional sedan
Class 3: Small SUV or pickup truck
Class 4: Minivan or midsize SUV
Class 5: Luxury sedan or large SUV
You may not know what kind of vehicle you can rent for $30 a day but you know what kind of vehicle you would require to meet your needs.
*Due to state requirements, ERIE maintains dollar limits for Transportation Expense coverage in North Carolina and Virginia.