Personal Auto PolicyQuestion 427 of 474
The towing and labor costs endorsement on a personal auto policy pays for:
a.The full cost of any roadside service, without limit
b.Towing and labor done at the place of disablement
c.A rental car while the disabled auto is in the shop
d.Engine repairs completed later at a repair garage
Explanation
The endorsement covers towing plus the labor performed where the auto became disabled, up to the limit shown on the declarations. Work done after the car reaches the garage is the owner's expense, so naming engine repairs puts the claim on the wrong side of that line. A substitute car is transportation expense coverage, a separate grant, and the endorsement carries a stated limit.
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