After a collision, one of the biggest frustrations drivers face is suddenly being without a vehicle. That’s where Loss of Use Coverage comes in. It helps keep you mobile while your vehicle is being repaired or assessed so you can continue your daily routine without major disruption.

What Is Loss of Use Coverage?

Loss of Use Coverage is an optional insurance add-on that provides coverage for transportation costs after a claim. This can include:

• Rental vehicle costs

• Taxi or ride-share fares

• Public transit expenses

It ensures you’re not left stranded while your vehicle is in the shop or waiting for MPI to process your claim.

When Does Loss of Use Apply?

You can use your Loss of Use coverage when:

• Your vehicle is non-drivable after a collision

• Your vehicle is at a repair shop for MPI-approved repairs

• Your vehicle is declared a total loss or you need transportation while the claim is settled

Coverage typically begins once repairs on your vehicle have begun. MPI confirms your eligibility based on your insurance policy and the accident details.

How Long Does Coverage Last?

Coverage lasts for the time your vehicle is:

• Under repair

• Awaiting parts

• Being processed for total loss settlement.

The length and type of coverage depend on your policy and the limit you chose when purchasing Loss of Use.

Why Loss of Use Matters

Being without a vehicle can interrupt work, family responsibilities, and everyday routines. Loss of Use Coverage helps minimize stress by ensuring you have reliable transportation throughout the repair process. It’s a relatively small add-on that can offer major convenience and peace of mind after a collision.

At Penner Auto Body, we are happy to organize a rental through our friends at Enterprise on Pembina with your loss of use coverage that can be used for the duration of your repair. Just let us know at the time of booking!