Substitute Transportation

Everything you wanted to know about your auto insurance Substitute Transportation coverage, but forgot to ask until after your auto accident …

  1. First question, always, is: “Do I have substitute transportation coverage?”
  2. The next question is: “How much coverage do I have?”
  • If you were not at fault in the accident & if the other party was at-fault & if they have insurance, then the other company is liable to put you in a rental vehicle whether you have Substitute Transportation Coverage on your policy or not.
  • Substitute Transportation Coverage starts at $15 per day/ $450 total for appx. $12 annually.
  • $30 per day/ $900 total costs appx. $52 annually.
  • You can usually get in an economy-type rental vehicle for appx. $25 per day.
  • If you rent a “substitute transportation” vehicle in the United States, Canada, and U.S. territories & possessions, your MA auto insurance coverage follows that rental vehicle. So, in other words, as long as your vehicle carries collision & comprehensive coverage (& adequate liability limits) then you do not need to purchase additional insurance from the rental car company.  

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