Basic Autopac > All Perils
Loss of Use Coverage
Stolen Vehicles
Basic Autopac covers some of the costs of using other transportation when your vehicle has been stolen. We'll pay you reasonable expenses for taking taxis, using public transportation or renting another vehicle. The limit is $34 a day up to a maximum of $1,020, including all taxes.
This protection starts 72 hours after you report the theft to us or to the police. This loss of use coverage ends when your vehicle is repaired, when we offer you a settlement, or when the $1,020 maximum is reached--whichever comes first.
Please phone your Adjuster promptly after the police have notified you that they’ve recovered your vehicle.
Damaged Vehicles
If your vehicle has been damaged in a collision that is the fault of another Autopac-insured motorist, you may have a claim for replacement transportation expenses. You have to prove that you needed to pay for other transportation and that you did your best to minimize these costs.
You must choose the least expensive, most reasonable transportation option. For example, you should use public transportation and taxis, unless renting a vehicle would be less costly. If you own a second car, you should use it instead of your damaged one.
You must keep your expenses to a minimum because the at-fault motorist is responsible only for your expenses that are strictly necessary.
If your vehicle is essential to your business or daily life, you should consider buying optional Auto Loss of Use protection. This coverage pays for the reasonable costs of other transportation, even if you're responsible for the accident. It also reduces your waiting period if the vehicle was stolen.
