The Debunkinator: Insurance misconceptions debunked. You encounter unexpected car rental costs while your car is being repaired. Are you protected? Most likely, you’re not protected. Rental car coverage is not automatically included in all auto policies. Make sure to consider purchasing the optional coverage, so when your car is stuck in the repair shop because of a covered loss, you have the additional coverage to help rent one. Learn more at Allstate.com/debunk.