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I think the biggest problem for many folks is the long repair times combined with the limit on rental car coverage. My insurance company (USAA) has a $900 max on rental car coverage, and that would only cover about 2-3 weeks at today’s rates.
My car was drivable after a recent accident so they ordered parts first and I started the rental car the day I dropped off the car for a 5-6 week repair job. Total rental car bill was almost $1900, but the other guy’s company paid it all since he was at fault. The days of renting a car for $30-$40/ day are long gone for major rental car companies.
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