Loss of Use Coverage
RoadsidePlus's Loss of Use Coverage pays you back for the cost of getting around if you can't drive your vehicle because of a claim under your Autoplan Collision, Comprehensive or Specified Perils coverage. It covers:
- Renting a substitute vehicle (that is of a make and model specified by ICBC, and similar in size to what you own)
- Hiring taxis
- Using public transportation
You may have the right to a substitute vehicle as part of your claim against the at-fault motorist. However, sometimes it takes awhile to settle the issue of fault. Don't worry. Loss of Use Coverage provides coverage immediately.
Loss of Use Coverage also pays for substitute transportation in a claim where you are at fault.
RoadsidePlus Loss of Use Coverage allows:
- $750 for substitute transportation, with a daily limit of $100
- $1,000 for motor homes, with no daily limit.
Note: Payments for substitute rental vehicles are limited to vehicle makes and models specified by ICBC that are similar in size to your own vehicle.
If your car can't be driven, coverage starts right away after the crash. It ends as soon as the vehicle is repaired or when ICBC has made you an offer of settlement for a total loss, or when the limit of coverage has been reached, whichever comes first.
If you can drive your vehicle, you're covered for loss of use only while it is in the shop being repaired, or when the limit of coverage has been reached, whichever comes first.
- To receive Loss of Use Coverage payments, you must have purchased an optional insurance product that covers your particular type of claim. For example, if your car is damaged in a crash but you don't have Collision coverage, then you won't have Loss of Use Coverage either (even if you have bought Roadside Plus).
- Payments for substitute rental vehicles are limited to vehicle makes and models specified by ICBC that are similar in size to your own vehicle.
- Loss of Use Coverage doesn't apply when the amount claimed in damages is less than the deductible.
- Loss of Use Coverage also doesn't apply when a customer chooses not to make the claim.
For more details, visit your knowledgeable neighbourhood Autoplan broker.
