Loss of Use typically covers the actual rental fees and related expenses necessary to replace your vehicle while it is being repaired. Common exclusions include mechanical breakdowns, routine maintenance, or wear and tear.
State Farm Comprehensive Collision Coverage and Rental Car Eligibility
These coverages handle damage to your vehicle from events like theft, vandalism, hail, or accidents. When Comprehensive Collision Coverage Applies You are much more likely to receive rental car coverage if you have elected comprehensive and collision coverage, often referred to as "other than collision" (OTC) and collision, on your policy.
Loss of Use and Rental Reimbursement Details It is important to understand that Loss of Use coverage is distinct from Rental Reimbursement. Your policy will have a defined daily maximum amount it will pay for a rental car, often ranging from $30 to $60 per day.
State Farm Comprehensive Collision Coverage and Rental Car Eligibility
Furthermore, there is usually a maximum total payout for the entire loss of use period. If your car breaks down due to an engine problem, your policy will not provide a rental car.
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