Part 10 of the Standard Massachusetts Automobile Insurance Policy provides optional reimbursement coverage for substitute transportation while your vehicle is being repaired or until it has been replaced because of a collision or any other reason, such as theft, vandalism, weather, animals, etc. You cannot claim any reimbursement unless you lose the use of your vehicle for at least 24 hours and coverage begins 48 hours following the incident. If you have also chosen transportation coverage through Part 9 of your policy, Comprehensive coverage will pay first, and then this Part will kick in up to the maximum amount elected. If you decide to use public transportation instead of a rental, you will be reimbursed for those charges in the same way.
The per day allowance for car rental charges varies, but generally the coverage provides a daily rate for up to 30 days, with a set maximum (i.e. $900) as the total available reimbursement. Some insurance companies have arrangements with certain car rental companies which may provide you with a more competitive daily rate compared with other rental car companies, so we recommend that you ask your insurer before making any rental arrangements.