If you decide to add Ameriprise auto insurance rental reimbursement coverage, you won't be without wheels if your car is in the shop
If you get into a car accident, you may face a lot of expenses in addition to the cost of your deductible. One of the most common expenses you might face is that of a rental car. Ameriprise auto insurance rental reimbursement coverage can defray the cost of renting a car while your vehicle is being repaired after an accident.
Smart option for a one-car family
If you decide to insure your vehicle with Ameriprise auto insurance, you have access to a lot of different types of coverage. You can opt to select the minimum amount of liability coverage required by your state, or you can choose to purchase a more comprehensive policy that includes car accident rental car reimbursement coverage. Adding this feature to your car insurance may boost the price of your premiums, but the increased price may be worth it.
If you get into an accident that causes serious damage to your car, you may not be able to drive it for some time, and it may even be necessary to have it towed away from the scene of an accident. After the accident, you need to file a claim with Ameriprise, and it may take up to one day for the company to get in touch with you. Once the claims have been filed, your vehicle will have to be inspected by a qualified mechanic, and once the inspections have been made, Ameriprise needs to agree to the repair work. Finally, you need to wait for the mechanic to complete the work.
Click here for free quotes on car insurance policies that include rental reimbursement coverage as an option
All of this may take a while, and if you are a one-car family, how will you get around? You may be able to rely on the kindness of a friend or family member who can loan you a car for a while. If you live in a city that has reliable and convenient public transit services, you may do just fine. Chances are, you may have to rent a car.
What it covers, what it costs
If you have Ameriprise auto insurance rental reimbursement coverage on your policy, it will cover the cost of 
renting a car. There are two ways in which this can be handled, depending on the state where you live and drive and depending on the scope of your policy coverage.
In some cases, you will be directed to a rental car agency working with your area Ameriprise agencies where you can rent a car and have the costs billed directly to Ameriprise. In other cases, you are free to select a car rental agency (as long as Ameriprise approves and the accident causing your need for a rental car is a covered incident) and rent a car from them. In these cases, you will have to pay for the car costs yourself and file a claim to have those costs reimbursed.
You will be paid a maximum daily amount (usually between $30-40) up to a set limit per accident. The cost for this add-on can be as little as an additional $20 added to your premium over the term of coverage.
Ameriprise auto insurance rental reimbursement coverage may be just the optional coverage you need to round out your car insurance needs. To be sure, you may want to visit with a licensed car insurance agent near you with access to companies like Ameriprise. An agent can answer any question you may have and can even show you some policies comparing coverage levels and rates. Reply! can help by connecting you to car insurance professionals in your area with the tools and experience you'll need to build the perfect car insurance coverage package to suit your unique car insurance needs.