Get a Rental Car Today.
No Out-of-Pocket Cost.
The insurance company owes you a replacement vehicle while yours is being repaired or while they determine your total loss offer. We place you in a rental the same day and bill the insurance company directly — you pay nothing.
Who pays for my rental car after an accident in Utah?
If the accident wasn't your fault, the at-fault driver's liability insurance pays for your rental car for every day you're without your vehicle — with no per-day cap and no deductible — and you're entitled to a comparable vehicle (an SUV driver gets an SUV, not a compact). If your own policy has rental reimbursement, that applies regardless of fault. Under Utah Admin Rule R590-190, insurers must make a reasonable settlement offer before cutting off rental coverage on a total loss claim. Property Damage Pros places Utah clients in same-day rentals at the Sandy office (45 W Sego Lily Dr) and bills insurance directly — $0 out-of-pocket.
How Our Rental Placement Works
You Call Us
Tell us about your accident. We determine if you qualify for a rental — most people do and don't realize it.
Same-Day Placement
We coordinate directly with rental companies to get you in a vehicle today. Not tomorrow. Not next week. Today.
We Bill Insurance
The at-fault driver's insurance pays for the rental. If you have rental coverage on your own policy, that works too. Either way — no out-of-pocket for you.
Keep It Until Resolved
Your rental continues until your car is repaired or your total loss claim is settled. We fight any attempt to cut it short.
Who Qualifies for a Rental?
If you were in an accident, chances are you qualify. Here's how it works depending on your situation.
The Other Driver Caused It
The at-fault driver's liability insurance pays for your rental — no limit on days, no deductible, no out-of-pocket cost. You're entitled to a comparable vehicle (SUV drivers get an SUV, not a compact).
Coverage: 100% paid by their insurance
You Have Rental Coverage
If you have rental reimbursement on your own policy, you can use it regardless of fault. Policy limits vary (typically $30-50/day for 30 days), but we maximize every dollar of coverage available to you.
Coverage: Up to your policy limits
What You're Owed — Three Scenarios
Your rental coverage depends on your situation. In all three cases, the at-fault driver's insurance pays.
Your Car Is Being Repaired
The at-fault driver's insurance pays for a rental from the day of the accident until your car is returned to you. If the shop delays, that's not your problem — the rental coverage continues.
Your Car Is a Total Loss
Insurance typically cuts your rental 1-2 days after their initial offer — but their first lowball offer is not a "reasonable" offer under Utah law (R590-190). If their offer is significantly below the appraised value, we fight to keep you in a rental until an independent appraiser determines the true value and the insurance company pays it.
You Didn't Rent a Car
Even if you used rideshare, borrowed a car, or went without — you're owed "loss of use" compensation equal to the daily rental rate of a comparable vehicle.
Rental Coverage vs. Loss of Use
Rental Reimbursement
- You rented a car and want reimbursement
- Covers the actual rental cost paid
- Direct billing available through some insurers
- Must be a comparable vehicle class
Loss of Use Compensation
- You did NOT rent a car (or used rideshare/borrowed)
- Pays the equivalent daily rental rate as cash
- Often overlooked — most people don't know to claim it
- Can be $1,500–$2,400+ for longer claims
When Insurance Cuts Off Your Rental Early
This is one of the most common tactics. Here's what they say — and how to fight back. If the adjuster is playing hardball on any part of your claim, see our full guide on insurance negotiations.
"Repairs should be done by now"
Repair timelines are the shop's responsibility, not yours. Parts delays, hidden damage, and quality issues extend timelines — and the insurer owes rental for every day.
"We already made you a total loss offer"
A lowball offer is not a reasonable offer under Utah R590-190. If their number is 20%+ below your car's actual value, you have the right to dispute it with an independent appraisal — and your rental should continue until a reasonable settlement is reached. Their first offer is almost never reasonable.
"Your policy only covers 30 days"
Your own policy rental limits don't apply when the other driver was at fault. The at-fault driver's liability coverage owes you rental for the entire duration — no cap.
"We'll only pay for a compact car"
You're entitled to a comparable vehicle. If you drove an SUV, truck, or full-size sedan, the rental should match.
Utah Law Protects Your Rental Rights
Rental reimbursement and loss-of-use aren't goodwill gestures from the insurer — they're legal obligations under Utah statute and administrative rule. Here's the specific language.
Reasonable Alternative Transportation
Section 11 of Utah's Unfair Claims Settlement Practices rule requires insurers to provide reasonable alternative transportation for the full period the claimant is without their vehicle. The insurer cannot cut rental coverage until a reasonable settlement offer has been made or the vehicle is returned.
Practical effect:A lowball total loss offer doesn't start the rental clock — a reasonable offer does.
Unfair Claim Settlement Practices Act
The statutory backbone for R590-190. Lists specific unfair practices including: misrepresenting policy provisions, failing to acknowledge claims promptly, failing to affirm or deny coverage within a reasonable time, and failing to settle claims where liability is reasonably clear.
Practical effect: Cutting rental before a reasonable settlement violates both the rule and the statute.
What To Do If They Terminate Early
If an insurer cuts your rental before making a reasonable offer: (1) get the termination notice in writing, (2) document every day you're without a vehicle, (3) file a complaint with the Utah Insurance Department at insurance.utah.gov citing R590-190-11 and §31A-26-303. Most insurers reinstate coverage when the violation is formally documented. We handle this as part of the claim — no cost to you.
Pick Up Your Rental Today
We coordinate same-day rental placement. Pick up your vehicle at our Sandy office — conveniently located off I-15.
Sandy Office
45 W Sego Lily Dr, Suite 315
Sandy, UT 84070
Clearfield Office
1436 S. Legend Hills Dr., Suite 316
Clearfield, UT 84015
Mon–Fri 9am – 6pm MST
Attorney Explains Loss of Use & Rental Claims
Loss of Use and Rental Car Claims After an Accident
Rental Recovery Questions
Common questions about rental reimbursement and loss of use after an accident.
For repairs: until your car is fixed. For total loss: insurance typically tries to cut your rental 1-2 days after their initial offer, but under Utah R590-190, the offer must be reasonable. A lowball offer that's 20%+ below your car's appraised value is not reasonable — and we fight to keep you in a rental until a fair settlement is reached or an independent appraiser determines the true value.
Loss of use compensation covers the value of being without your vehicle, even if you don't rent a car. It's calculated based on the daily rental rate of a comparable vehicle.
Yes. Loss of use applies even if you borrowed a car, used rideshare, or went without. You're entitled to the equivalent daily rental value.
The at-fault driver's liability insurance pays for your rental. If uninsured, your own uninsured motorist or rental reimbursement coverage may apply. We handle the billing directly — no out-of-pocket cost to you.
Pick up your rental at our Sandy office: 45 W Sego Lily Dr, Suite 315, Sandy, UT 84070. We coordinate same-day placement — call 801-799-9999 and we'll have a vehicle ready for you.
Document the cutoff date and your continued need. We negotiate extended coverage or file for loss of use compensation for the remaining days.
A comparable vehicle — similar size and class to your damaged car. SUV drivers get SUV rentals, not compact cars.
It depends on your vehicle type and the local daily rental rate. A comparable SUV rental at $50-80/day for 30 days without a car = $1,500-$2,400 in loss of use compensation.
Document the dates without your vehicle, get a comparable daily rental rate quote, and submit as part of your property damage claim. We handle this as part of our service.
Get Your Rental Costs Covered
Not your fault? You shouldn't pay a dime for transportation. Tell us about your accident.
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