Understanding Infinity Auto Insurance Rental Car Coverage: What's Included and How It Works

Quick Answer: Does Infinity Auto Insurance Cover Rental Cars?

Infinity Auto Insurance typically includes rental car reimbursement as part of its standard policies, but the exact coverage—collision, liability, and optional extras—varies by state and plan level. Most policies provide a daily allowance (often $30‑$50) for a rental while your vehicle is being repaired after a covered claim, and you can add optional collision damage waiver (CDW) for added protection.

What Rental Car Coverage Means in Auto Insurance

Rental car coverage is an add‑on that pays for a temporary vehicle when your insured car is unavailable due to a covered loss. It can include:

• Rental Reimbursement (RR): Pays a daily limit for a rental car.
• Collision Damage Waiver (CDW): Covers damage to the rental itself.
• Liability for the Rental: Extends your personal liability limits to the rental vehicle.

Infinity Auto's Standard Rental Reimbursement

Infinity's core policy usually offers:

• Daily rental limit: $30‑$50 per day.
• Maximum number of days: 15‑30 days per claim.
• Coverage triggers: Only after a collision, comprehensive, or theft claim that is approved.

How the Daily Limit Is Applied

If the local rental rate exceeds the daily limit, you pay the difference. For example, a $45 daily rental with a $30 limit means you'd owe $15 per day.

Optional Upgrades: Collision Damage Waiver (CDW)

Infinity lets policyholders add CDW for an extra $8‑$12 per day. CDW covers:

• Physical damage to the rental car.
• Loss of use fees charged by the rental company.

Without CDW, you'd rely on your personal collision coverage, which may have a deductible and could affect your claim limits.

Liability Extension to Rental Vehicles

Your personal liability limits (e.g., $100,000 per person, $300,000 per accident) automatically apply to any rental you use under the policy, provided the rental is for a covered loss. No extra premium is required for this extension.

State‑Specific Variations

Insurance regulations differ across the U.S., so Infinity's rental car benefits may change:

Always verify the limit for your state when quoting a policy.

How to Add or Adjust Rental Coverage

When you purchase or renew an Infinity policy, you can:

• Select "Rental Reimbursement" as a standard option.
• Choose the CDW rider if you frequently rent cars.
• Adjust the daily limit (usually in $5 increments) for an additional premium.

Changes can be made online through the Infinity portal or by speaking with an agent.

Cost Impact of Rental Coverage

Typical premium additions are modest:

• Rental Reimbursement: $5‑$10 per month.
• CDW rider: $8‑$12 per day of rental, billed as a per‑claim surcharge.

These costs are often outweighed by the convenience of not having to pay out‑of‑pocket for a rental during repairs.

When Rental Coverage Does NOT Apply

Infinity's rental reimbursement will not pay if:

• The loss is not covered (e.g., an at‑fault accident not covered by your policy).
• You decline a repair estimate from an approved shop.
• You use a rental for non‑insured purposes, such as a vacation.

Tips for Maximizing Rental Benefits

Follow these best practices to get the most out of your rental coverage:

• Notify Infinity immediately after a covered loss.
• Ask the adjuster to approve a rental before you book.
• Choose a rental agency that accepts your insurance directly to avoid extra fees.
• Keep receipts; they are required for reimbursement.

Bottom Line

Infinity Auto Insurance offers a practical rental car reimbursement option that helps you stay mobile after a covered accident. By understanding daily limits, optional CDW, and state variations, you can tailor the coverage to fit your driving habits and avoid unexpected out‑of‑pocket costs.