Rental Reimbursement Rental reimbursement coverage is optional in this state. Rental reimbursement coverage can't be purchased without collision and comprehensive coverage. What's covered? This coverage pays for the cost of a rental car if you can't drive the insured vehicle due to theft or damage from an accident. How much protection does this coverage provide? The dual coverage limits you see in your quote refer to the maximum amount that will be paid per day, per accident, respectively.