Insurance Replacement
Insurance Replacement and Accident Rental Services
Being involved in an accident can be stressful, especially when your vehicle is suddenly unavailable. Zoom Rent A Car provides insurance replacement and accidental car rental services designed to keep you mobile while your claim is being processed and your vehicle is being repaired or replaced.
If you are involved in a not-at-fault accident, you may be entitled to a rental vehicle even if your insurance policy includes only basic coverage. Under the Ontario Automobile Policy (OAP), coverage for loss of use may apply depending on your policy terms. Zoom Rent A Car helps simplify this process by coordinating directly with insurance providers and offering reliable replacement vehicles without unnecessary delays.
How Insurance Replacement Rentals Work
Insurance replacement rentals are intended to provide temporary transportation when your personal vehicle cannot be safely operated due to an accident. Once your claim is initiated, Zoom Rent A Car can supply a replacement vehicle while repairs are underway or until a settlement is reached, subject to your insurance coverage.
Insurance companies may recommend specific rental providers, but customers are not required to use those vendors. You have the right to choose your rental agency, and Zoom Rent A Car works directly with insurance companies and repair facilities to support this choice while maintaining a smooth and compliant rental process.
Direct Billing and Claim Coordination
Zoom Rent A Car offers direct billing to insurance companies and approved dealerships, helping reduce out-of-pocket expenses and paperwork for eligible claims. Our team coordinates closely with insurers to align rental duration and vehicle class with policy coverage, allowing you to focus on recovery rather than logistics. Rental coverage typically remains active while your vehicle is being repaired or until your insurance company completes settlement of the claim, based on your individual policy terms.
Replacement Vehicles Comparable to Your Own
During an insurance replacement rental, customers are generally entitled to a vehicle comparable to their personal vehicle, subject to availability and policy approval. Zoom Rent A Car maintains a diverse fleet of clean and well-maintained vehicles to support a wide range of replacement needs. Our fleet includes compact and mid-size cars, full-size sedans, SUVs, minivans, passenger vans, luxury vehicles, cargo vans, pickup trucks, and specialty vehicles. This variety allows us to match your replacement rental as closely as possible to your everyday driving needs.
Extended Availability and Emergency Support
Accidents do not always occur during regular business hours. Zoom Rent A Car provides extended availability for accident replacement rentals to support emergency situations when immediate transportation is required. Depending on location, additional services such as airport shuttle access or customer pickup may be available to help ensure timely vehicle delivery when transportation options are limited.
Insurance Coverage Considerations
OPCF 20 (Loss of Use)
Before starting an insurance replacement rental, it is important to understand your policy coverage. Many Ontario policies include OPCF 20 (Loss of Use), which may cover rental costs while your vehicle is being repaired or replaced, provided the damage resulted from an insured peril.
OPCF 27
Some policies also include OPCF 27 (Liability for Damage to Non-Owned Automobiles), which may extend coverage to rental vehicles. Coverage varies by policy, and customers are encouraged to confirm details with their insurance provider prior to renting.
official guidance
For official guidance regarding coverage and rights, customers may reference the Ontario Automobile Policy or consult the Financial Services Commission of Ontario for additional information.
Who This Service Is Designed For
Insurance replacement rentals are ideal for drivers involved in not-at-fault accidents, customers with loss-of-use coverage, and individuals whose vehicles are temporarily unavailable due to insured damage. Zoom Rent A Car supports private drivers, corporate clients, dealership referrals, and insurance-approved replacement rentals across multiple locations.
Understanding Your Rights After an Accident
After an accident, customers have the right to choose their rental provider and repair facility. Coverage for replacement transportation generally begins when the vehicle cannot be safely operated or is delivered for repairs, and ends when repairs are completed or a settlement is issued by the insurance company.
If an insurance provider does not comply with applicable policy terms or regulations, customers have the right to raise concerns and seek clarification through appropriate regulatory channels.
Important Disclaimer:
If an insurance company denies a claim, limits coverage, or fails to provide payment due to policy exclusions, disputes, or claim-related issues, the renter may be held personally responsible for rental charges. Customers are strongly encouraged to verify coverage details with their insurance provider prior to renting.
Get Assistance with an
Insurance Replacement Rental
If your vehicle has been involved in an accident and you require a replacement rental, Zoom Rent A Car is ready to assist. Our team will help coordinate with your insurance provider, confirm eligibility, and arrange a suitable replacement vehicle as quickly as possible.
Contact your nearest Zoom Rent A Car location to begin the insurance replacement rental process and receive clear guidance every step of the way.