RoadStar Package Loss of Use Coverage
The RoadStar Package's Loss of Use Coverage pays you back for the cost of getting around if you can't drive your vehicle because of a claim under your Autoplan Collision, Comprehensive or Specified Perils coverage. It covers:
- renting a substitute vehicle
- hiring taxis, or
- using public transportation
Note: Before arranging other transportation, you must contact your ICBC adjuster to confirm your entitlement to Loss of Use coverage. The adjuster will advise you about the type of vehicle or transportation costs you may claim while your vehicle is being repaired.
Conditions and limitations
- The substitute rental vehicle will be limited to one that is of a make and model specified by ICBC and similar in size to what you own.
- To qualify for the Loss of Use Coverage, you
must have the optional insurance that applies to the claim.
Example: If your car is damaged in a crash but you don't have Collision coverage, then you won't have Loss of Use Coverage either, even if you have bought the RoadStar Package. - Loss of Use Coverage doesn't apply when:
- the amount claimed in damages is less than the deductible
- you choose not to make the claim
Payment limits
RoadStar Package Loss of Use Coverage allows:
- $500 for substitute transportation, with a daily limit of $100
- $1,000 for motor homes, with no daily limit.
Loss of Use is available with higher coverage through the RoadsidePlus package or as a separate policy.
No delays
If you were not at fault for the crash, you may have the right to a substitute vehicle as part of your claim against the at-fault motorist.
The reality is, though, that sometimes it takes a while to settle the issue of fault. The RoadStar Package Loss of Use Coverage helps you get where you need to go immediately.
This coverage also covers loss of use from claims where you are at fault. And it provides Loss of Use Coverage for Comprehensive and Specified Perils claims that usually only include Loss of Use Coverage when your vehicle is stolen.
Length of coverage
If your car can't be driven, coverage starts right away after the crash. It ends as soon as the vehicle is repaired or when ICBC has made you an offer of settlement for a total loss, or when the limit of coverage has been reached, whichever comes first.
If you can drive your vehicle, you're covered for loss of use only while it is in the shop being repaired, or when the limit of coverage has been reached, whichever comes first.
