Auto InsuranceQuestion 20 of 215
An insured's covered auto is stolen. The Personal Auto Policy's transportation expenses (loss of use) provision typically:
a.Pays unlimited daily rental for as long as the auto is missing
b.Reimburses the cost of public transit but never car rental
c.Pays a stated daily amount (commonly $20-$30) up to a maximum aggregate ($600-$900) beginning a set waiting period after the theft and ending when the vehicle is returned or settled
d.Only applies to collision losses, not theft
Explanation
Under Part D, if Other Than Collision (Comprehensive) is purchased, the policy pays transportation expenses such as rental car or rideshare cost following a theft of the covered auto, after a 48-hour waiting period. The standard amount is a daily limit (e.g., $20 or $30) up to a maximum aggregate (e.g., $600 or $900). Higher limits can be selected for an extra premium. Loss of use is not unlimited and is not restricted to public transit.
Law Reference: ISO PAP, Part D — Transportation ExpensesPractice all 215 questions free — no signup required.
Related questions on this topic
- How are physical damage losses normally settled under the Personal Auto Policy Part D?
- After a covered auto accident, which of the following is NOT one of the insured's duties under Part E of the Personal Auto Policy?
- Under Part F of the Personal Auto Policy, an insurer wishing to non-renew a private passenger auto policy in California must give the named insured at least how many days advance written notice?
- A California household has two private passenger autos insured on two separate policies, each with $100,000 UM limits. After an accident caused by an uninsured driver, can the injured insured combine ('stack') both UM limits to recover up to $200,000?
- California law requires drivers to carry which item in the vehicle as evidence of financial responsibility, ready to present on demand?
- Under Part A of the Personal Auto Policy, who qualifies as an 'insured' for liability purposes?
Last reviewed: · editorial process
Sen Lin, PrepPass Founder · Verified against California Property & Casualty Insurance License Exam · How we review