Rental (transportation expense) coverage applies to any vehicle listed on your personal auto policy declarations page that has collision or comprehensive coverage. If your vehicle is not drivable, is unsafe, or is not legal to drive, then transportation expense coverage starts immediately for any non-theft loss. For losses resulting from theft, transportation expense coverage starts 48 hours after the theft.
If your vehicle is safe and legal to drive, then coverage begins the day repairs start, and ends the day repairs are complete. Your chosen daily and maximum rental reimbursement limits apply; these limits can be found in your policy documents.
If you have rental coverage on your policy, we can help you stay on the road while your vehicle is being repaired or while your total loss is being settled. NJM offers various levels of rental coverage. Each level of rental coverage has a maximum daily rate, and lasts up to a maximum number of days. The rental coverage available to you is listed on the declarations page of your policy. As always, an NJM representative is happy to provide you with this information.
If the other driver's insurance company has accepted responsibility for the damage to your vehicle, they may pay for a rental vehicle or alternative transportation. Please check with the other driver's insurance company to determine if they have any requirements prior to you renting a vehicle. For instance, with some insurance companies, you would only receive a rental vehicle after you drop off your vehicle at the repair facility and after all of the repair parts have arrived.
If your vehicle is not safe to drive, let the other driver's insurance company know so they may expedite the inspection of your vehicle. You may also want to let them know as soon as possible if your vehicle was towed to a storage facility.
No, the NJM personal auto policy covers private passenger vehicles. Because a box truck is not a private passenger vehicle, it would not be covered by your NJM policy, regardless of its size.