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This coverage typically helps cover the cost of renting a car if your vehicle is in the shop for repairs due to a covered loss. Regular maintenance is not included in this coverage.
This coverage is totally optional, but having insurance coverage for a rental car can be a huge relief when you're going to be without your vehicle for a few days. If you could go without your car for a short time by using mass transit or using another car in your family, you might not consider this coverage. But if there's only one car in your household and no buses or trains that are convenient, having this as a "just in case" might be a smart idea.
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