After a crash, your damaged car might spend weeks in the shop—or worse, get totaled. Naturally, you’ll wonder: “How am I supposed to get around while my car’s out of commission?”
The short answer? Yes, insurance should cover a rental car—but only if the other driver is at fault. Here’s how it works in Nevada:
Step 1: Determining Fault Dictates Who Pays
- If the other driver caused the crash, their insurance must cover your rental costs while your car is repaired.
- If you were at fault, your own policy’s rental reimbursement coverage (if you have it) kicks in.
- No coverage? You might have to pay out of pocket and seek reimbursement later.
Step 2: Nevada’s Insurance Rules for Rental Cars
Your personal auto insurance is typically the primary coverage for rental cars in Nevada. Rental companies offer supplemental insurance (like Collision Damage Waivers), but these are optional. Nevada law requires minimum coverage of $15,000 per person/$30,000 per accident for injuries and $10,000 for property damage—rental companies must meet this.
Key Problems to Watch For
Policy Gaps: If you don’t have rental reimbursement coverage, you could be stuck without a car.
Delays: Insurers often drag out liability investigations to avoid paying for rentals.
Lowball Offers: Some companies provide only economy cars, even if your vehicle was an SUV
Insurance Options After a Rental Car Crash
Nevada drivers typically rely on:
- Your personal auto policy (often extends to rentals)
- The at-fault driver’s insurance (if someone else caused it)
- Rental add-ons like Collision Damage Waivers (CDW) or Supplemental Liability Insurance
Pro Tip: Check your credit card benefits—some include rental car coverage automatically.
Howard Injury Law Can Help
We force insurers to act quickly by:
✔ Demanding immediate rental coverage under NRS 686A.310
✔ Negotiating for a comparable vehicle (not just the cheapest option)
✔ Fighting for full reimbursement if you’ve paid out of pocket
Don’t let insurance companies leave you stranded. If you’re stuck without a rental car after a Nevada accident, contact us, your dedicated car accident personal injury lawyers, for a FREE case review. We will expertly guide you through the legal process as your dedicated personal injury lawyer in Las Vegas. From the initial free consultation to the resolution of your case, our experienced attorneys serve Nevada, California, Colorado, and Arizona, and are committed to providing comprehensive support and representation. We understand the complexities and challenges that come with personal injury claims, and we are here to ensure that your rights are protected every step of the way.
Free Consultation with Howard Injury Law:
📲 (702) 331-5722 M-F/9-5
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