When does Optional Loss of Use coverage begin?

Optional Loss of Use coverage is designed to help policyholders cover costs associated with the temporary loss of their vehicle due to a covered event, such as an accident. This coverage typically begins immediately after the incident that causes the vehicle to be unusable, which is why the timing aligns with the moment following the crash.

This means that if your vehicle is involved in an accident and is unable to be driven, the optional coverage kicks in right after the crash occurs. This provides immediate financial support for rental vehicles or other transportation options while the policyholder's vehicle is out of service.

The other timing options don’t accurately reflect how this coverage works. For instance, stating that coverage begins after the repairs are completed would negate the purpose of Loss of Use coverage, which is meant to assist during the downtime, not after. Similarly, the initiation of coverage based on filing a claim or settling the claim also does not align with the immediate support the policy aims to provide right after the vehicle becomes unusable.