Check Your Rental / Loss-of-Use Reimbursement
Enter the daily rate you were offered, any policy caps, and what you actually spent (if anything), and this tool lays out the arithmetic — including whether a total cap would run out before your days without a vehicle do.
- Free — no login or email
- Every step of the math is shown
- Nothing you enter is sent to a server
Run Your Reimbursement Check
Please fix the following before continuing
Your Reimbursement Check
Every line below comes directly from what you entered — nothing is estimated or looked up on your behalf.
Comparison against what you actually spent
Methodology version 1.0 — last reviewed 2026-08-08.
Nevada Division of Insurance, filed policy endorsement Form A-431 (05-11), "Rental Reimbursement Endorsement" — a real, publicly filed example of how one insurer's first-party rental-reimbursement coverage structures a daily cap and a total per-claim cap.
Texas Office of Public Insurance Counsel (OPIC), Auto Insurance resources — describing loss-of-use damages under a third-party property-damage liability claim as governed by a reasonableness standard, not a fixed formula.
Frequently Asked Questions
Does this tool tell me what a "reasonable" rental rate or period is?
No. Reasonableness depends on your specific policy (first-party rental-reimbursement coverage) or your state's rules (third-party loss-of-use claims) — this tool only checks the arithmetic of the numbers you enter. See Rental Car & Loss-of-Use Reimbursement After an Accident for how those two paths differ.
What does the "total cap exceeded" flag mean?
It means that at the daily rate you entered, your policy's total per-claim cap would run out before the number of days you entered without a vehicle. This is a math check, not a guarantee that reimbursement stops there — insurers word their caps differently, so verify against your own policy's declarations page.
Why does the tool compare my daily rate to a 20% threshold?
That threshold matches the possible-outlier review heuristic already used in the Total-Loss Offer Audit calculator, for consistency across this site's tools. It's a disclosed comparison flag, not a legal standard for what a fair rate should be.
What if I haven't rented a replacement vehicle yet?
The "actual rental cost" field is optional. Leave it blank and the tool still shows the reimbursement math for the offered daily rate and any caps you enter — the gap comparison and low-rate flag only appear once you add what you actually spent.
Is anything I type sent to a server?
No. Every number you enter stays in your browser and is never transmitted to or stored on any server operated by this site.