If a covered auto suffers a loss, when will temporary transportation expenses be paid?

Temporary transportation expenses will be paid when the coverage is specifically included in the declarations section of the auto insurance policy. This section outlines the specific coverages and limits that apply to the insured vehicle, and it explicitly states whether the policy provides coverage for expenses incurred due to the need for alternative transportation after a loss.

If this coverage is not mentioned in the declarations, the insured would not be entitled to payment for temporary transportation expenses regardless of circumstances such as filing a claim or reporting the accident. The declarations serve as the foundation of the policy, which means any coverage or limits must be defined there to be applicable.

Other aspects like filing a claim, meeting a deductible, or reporting an accident to the police do not directly trigger transportation expense coverage; they may relate to the claim process but do not determine if transportation costs are covered. Therefore, it is essential to verify that the temporary transportation expense coverage is listed in the declarations to ensure entitlement to those benefits.