This coverage provides protection only for certain losses. The losses are fire, lightning, explosion, theft, windstorm, hail, earthquake, flood, mischief, vandalism, and the sinking, burning, collision, or derailment of a conveyance transporting the insured vehicle. This coverage provides protection against any loss or damage to a covered auto resulting from loss other than a collision or upset, or a loss specifically excluded. This coverage also provides for supplemental payments for transportation expenses in the event of total theft of a covered auto or a non-owned auto. The auto must be insured for comprehensive or specified cause of loss coverage.
Coverage begins forty-eight hours after a theft of a covered auto.
Payments end when the auto is returned to use or the insurer pays for its loss. The insuring agreement agrees to pay up to the stated amount for expenses incurred in renting a vehicle. The coverage usually carries a per day limit and a maximum amount limit. This coverage pays for towing and labor cost each time a covered auto or non-owned auto is disabled, up to the stated amount. This is an endorsement that adds no-fault benefits.