Automobile insurance policies cover the vehicles you own but there may be times when you need to drive a different vehicle temporarily. A “substitute vehicle” is any vehicle that you do not own but you drive when you are unable to operate your insured vehicle. Some examples of a substitute vehicle include:
Even though most personal auto policies will typically provide limited coverage for a temporary substitute vehicle (30 days or less), specific coverages and limitations can vary. In this case, surprises are not a good thing! Therefore, it is recommended that you check with your independent agent to be sure there is coverage for your specific situation. To learn more about protecting your home, cars and other personal assets, visit AssuredPartners Personal Insurance.
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