Do I get a rental car while my car is being repaired?
Quick answer
If you’re not at fault, a replacement vehicle for the repair period is part of your claim — Ontario handles it through the DCPD side of your file. On an at-fault or comprehensive claim, a rental is covered only if your policy carries the OPCF 20 loss-of-use endorsement, typically capped per day and per claim. We time the rental to the repair either way.
- Drivable or not
- At fault or not
- Free written estimates
Not at fault: loss of use is part of your claim
When the other driver caused the collision, losing the use of your car is part of the damage — and in Ontario it is handled through the DCPD portion of your claim with your own insurance company, in proportion to the fault assigned. You are entitled to a reasonable replacement vehicle for a reasonable repair period; opening the claim early and getting the repair booked keeps “reasonable” on your side.
Your own claim: check for OPCF 20
For an at-fault collision or a comprehensive claim, rental coverage comes from the OPCF 20 loss-of-use endorsement — an inexpensive add-on many GTA drivers carry without remembering they bought it. Look for “loss of use” or “OPCF 20” on your declarations page; it pays for a rental up to a per-day and per-claim cap.
If you don’t carry it, scheduling becomes your best friend: we order parts before your car comes in, so the days you are actually without a vehicle shrink to the days the car is genuinely on the bench.
How we make the logistics easy
We arrange the rental through your coverage, time the pickup to your drop-off at our shop off Keele just south of Sheppard, and hand back the keys on schedule because the timeline was in writing before the job began. One less errand across the 401, and no day of rental billed that the repair didn’t need.
