Without a doubt, customers with Rental Car Reimbursement are much happier with their insurance when they are in an accident. This covers the cost of a rental car while your vehicle is in the body shop due to a covered loss. Some people pass up on this coverage, if they have a spare vehicle that they can use if they need to. But remember, you may have to drive that vehicle for an extended period of time. Let's say your backup vehicle is a 1985 Ford Truck. Do you want to be commuting to work in that for three weeks?
Some carriers offer alternatives to Rental Car Reimbursement coverages. For instance, you could get reimbursed a fixed dollar amount for each day the vehicle is at the garage after a covered loss. You could use that money to pay down your deductible or hire a taxi to get you around town. Ask your agent what coverages are appropriate for your unique situation.