Getting a Rental Car After an Accident in Brampton — How It Works

Is a Rental Covered?

Coverage depends on your policy and the circumstances of the claim. In Ontario, a rental or replacement vehicle after a collision is usually optional coverage (often called transportation replacement coverage, or OPCF 20), with a daily limit and a total limit.

If you were not at fault, your own policy's Direct Compensation – Property Damage (DCPD) coverage may help pay for a replacement vehicle, if your policy includes DCPD. Your insurer can tell you which coverage applies.

Before You Pick Up a Rental, Ask Your Insurer

Without that confirmation, you may be responsible for some or all of the rental cost.

Who Arranges the Rental

FSRA, Ontario's insurance regulator, says you have the right to choose a repair shop, tow operator or vehicle rental company. Your insurer may offer to arrange a rental through a company it works with; you can choose another. What the insurer pays is still set by your coverage. See FSRA: after an accident — understanding the claims process.

Matching the Vehicle Class

Coverage limits may not stretch to the same class of vehicle you drive. If you need a particular size — for example an SUV or minivan for a family — ask what your daily limit covers before you book.

When Coverage Runs Out

Rental coverage usually ends when the repair is complete, the total limit is reached, or a set period after a total-loss settlement. Ask your insurer which applies so you know your end date.

Pixel Towing's Rental Option

We offer rental vehicles through a business we have an interest in, and we disclose that before any referral. We'll tell you up front what we can bill to your insurer and what you would owe if your coverage doesn't extend to the full rental. You are free to choose any rental company.

This article is general information, not insurance advice.

Need a tow after a collision in Brampton? Call 647-673-9755.