If someone hits your car while you're inside a building, does your insurance offer a rental car while they keep the car to fix it?
by 
triV
ANSWERS: 3
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How would this answer help you in any way, unless you have the same insurance company and policy? Where you are at the time of the accident is not relevant. The question that I think you mean is, "Do some insurance policies cover a rental car when your car is being fixed for an approved claim?" Yes, some do. And, some don't. It depends on the state and the carrier, and if you opted for this coverage. [Former insurance agent]
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In the state of Michigan if you are not in the vehicle at the time of the accident, IE You are in a store and someone drives into your car parked at a parking meter, All costs are the responcability of the insurance company of the person who hit your car. When this happend to us, our company handled the repairs and charged their company. We called their company and they gave us the information so we could rent a car untill we had a new one (ours was totaled).
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Here is what you're looking for doll: If your vehicle is parked and unoccupied and struck by another vehicle, the tortfeasors insurance company is responsible for the damages resulting from the loss an any loss of use. Meaning, they will issue you payment for repairs and while the vehicle is being repaired they owe you a rental. If you choose to go through YOUR insurance policy and let them subrogate their rights of recovery, then it depends on your policy coverages, you may not have rental reimbursement. My suggestion, is to go through the adverse carrier.
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