Loss Of Use Expenses requires showing which symbol (for hired autos) to collect?

• A. Symbol 8 (hired autos)
• B. Symbol 2 (private passenger)
• C. Symbol 7 (other)
• D. Symbol 9 (recreational)

Answer: (A)

Loss of Use Expenses are payments that cover the cost to rent a substitute vehicle while your vehicle is out of service due to a covered loss. For these expenses to be recoverable, the coverage must apply to hired autos—vehicles you rent, lease, or borrow under a rental agreement. In the standard auto coverage structure, there is a symbol specifically designating coverage for hired autos. When the policy includes that hired autos symbol, Loss of Use Expenses can be collected for rental replacements. Other symbols cover owned autos or non-owned autos used in business, which do not authorize rental-replacement reimbursements, so they wouldn’t trigger Loss of Use payments in this situation.