Replacement Rentals
An insurance replacement rental is a vehicle your auto insurer pays for while your own car is being repaired after an accident. If you are in Brooklyn, Premier Car Rental provides insurance replacement rentals, delivers the car to your home, workplace, or body shop — usually within the hour — and bills your insurance company directly, so in most cases there is no cost out of pocket.
When your vehicle is not drivable, or a body shop needs it for several days, your insurance claim may include a rental car for a set period. That car is called an insurance replacement rental, sometimes described as a loss of use rental. It keeps you moving — commuting to work, taking the kids to school, handling everyday errands — while repairs are completed, without you paying for a rental yourself.
Who pays depends on your policy and on who was at fault. In New York there are three common outcomes after a crash:
Premier works directly with insurers so you are not stuck chasing approvals on your own.
Explore replacement rentalsDirect billing means Premier bills your insurance company for the rental instead of charging you upfront. Once your claim is approved, we coordinate with the adjuster, confirm the authorized daily rate and rental period, and handle the paperwork for you.
Usually within the hour. Premier is based in Brooklyn at 2259 59th Street and delivers replacement vehicles across New York City and the Greater Metro Area — to your home, your workplace, or directly to the body shop where your car is being repaired. Free delivery is part of the service, not an add-on.
No. In New York you have the legal right to choose your own rental provider. Some insurers suggest a specific company for convenience, and some body shops have a preferred partner, but that is a suggestion, not a requirement. Choosing Premier means a local Brooklyn team, direct billing, and doorstep delivery instead of an airport counter and a long line.
You are not required to use the rental company your insurer suggests. We bill your insurance company directly — no cost to you, no extra paperwork.
It happens more often than people expect: rental reimbursement is optional in many policies, and at-fault claims can take time to approve. If your coverage does not include a rental, or if approval is delayed, we can still set you up with a discounted self-pay rental while your claim is sorted out. Our team will walk you through your options clearly, with no surprises and no pressure.
Call or text (718) 971-1962, message us on WhatsApp, or send an email. Tell us where you are and where your car is being repaired. We will confirm coverage with your insurer, deliver the replacement vehicle to your door, and get you back on the road — that is what Premier has done for Brooklyn drivers since 2020.
Tell us about your claim and we will arrange delivery — usually within the hour.
Request a replacement carAn insurance replacement rental is a car your auto insurer pays for while your own vehicle is being repaired after an accident. It covers a set period authorized by your claim, so you stay mobile — usually with a daily rate and a policy limit agreed with your insurer.
It depends on your policy and who was at fault. Your own rental reimbursement coverage may pay, or the at-fault driver's insurance may cover the rental and your loss of use. If neither applies, Premier can still provide a discounted self-pay rental while your claim is decided.
Usually within the hour. We deliver to your home, workplace, or body shop anywhere in New York City and the Greater Metro Area, and delivery is free.
Yes. In New York you have the legal right to choose your rental provider. If you pick Premier, we bill your insurance company directly to keep your out-of-pocket cost as low as possible.
If rental reimbursement is not part of your policy, or if approval is delayed, we can still provide a discounted rental at our normal rates while your claim is processed. Call or text (718) 971-1962 and we will explain your options.
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