Is rental car covered under Uninsured Motorist coverage?
Rental Car coverage means if you buy it, you get rental car to cover the period your car is in the shop. If you didn’t buy it, you don’t have it. Uninsured Motorist Coverage may or may not cover physical damage. In some states it only covers bodily injury, and there may be a deductible involved. Read your insurance contract for details. So the reason you did not receive a rental car is because you likely did NOT buy rental car coverage. As for why you have to pay deductible if it’s a hit-and-run, well, it could just be in your contract. Have your agent show you the relevant section(s). That why he’s there… to explain the contract and coverages.
