Track every receipt
Use the mileage and expense tracker inside our Understanding Your Policy pillar guide to log rental, rideshare, and transit costs during repairs.
After a crash, rental car lots may be empty and rideshare surge pricing can skyrocket. Loss of use coverage helps pay those bills while your vehicle sits in a shop. Here is how it works.
1. What loss of use covers
- Rental cars, rideshare, taxis, or public transit fares while repairs are underway.
- Only applies after a covered claim (collision or comprehensive).
- Reimburses expenses up to a daily limit or total cap listed on your policy.
2. Loss of use vs rental reimbursement
Some carriers bundle the two terms; others separate them:
- Rental reimbursement: Pays the rental company directly or reimburses receipts.
- Loss of use: Reimburses broader transportation costs when rentals are not available.
3. Claim tips
- Notify your adjuster before incurring expenses; ask which costs qualify.
- Keep itemized receipts for every ride, transit pass, or rental invoice.
- Return rentals as soon as repairs are complete to avoid charges that exceed the covered period.
Loss of use keeps you mobile when your car cannot. Confirm the daily limit on your declarations page and make sure it reflects real transportation costs in your city.