Car Insurance Loss of Use: Is it Part Of Your Policy?

One of the things that the consumers may not really contemplate, but do expect, is that their car insurance will cover the cost of a replacement car when their car is being replaced. Many car insurance policies actually do not provide for this automatically. If you are at all dependent upon your car, it is vital that you make sure that this type of coverage is included. Rental cars are not cheap!

How do you tell if you have this kind of coverage on your car insurance? First, you need to look at your insurance policy. The language you are looking for refers to something called "loss of use." What is loss of use coverage? As the name suggests, loss of use coverage refers to the expenses for transportation while your car is in being repaired or replaced. In more practical terms, this simply means that you have coverage for a rental car. Indeed, many people including those in the insurance industry refer to this clause of the car rental coverage clause.

Buying loss of use car insurance with the car policy is definitely something you want to do. The idea of buying more insurance probably is one of the least favorite things for most people. That being said, going for days without your car is far worse. Most of us drive to work and home. Most of us need our cars just to get around to find basic things like food. You really don't realize how dependent you are on a car until you don't have it. If you don't believe me, try a simple little test. Lend your car to a friend one morning and tell them not to bring it back till the end of the day. I guarantee that you'll be going batty by noon!

Loss of use car insurance is simply worth its weight in gold. It may not seem like it now, but it will when you suddenly need to get around and your car is in the shop. Paying for a rental car with your own money for more than a few days is an extremely expensive proposition. Paying 10 to 20 bucks a year extra on your car insurance to get loss of use coverage is definitely a better deal. Do it!

Thomas Ajava writes for AutoOwnersInsuranceCompanies.com providing online information about car insurance.