Last updated 2021-05-01

Coverage for Alternative Transportation Service vehicle

Depending on the type of coverage, an Alternative Transportation Service (ATS) vehicle involved in a claim may be covered under its own policy or by coverage the customer has purchased.

Third Party Liability coverage

Third Party Liability (TPL) coverage is the minimum coverage carried on a courtesy or rental vehicle, and is always primary coverage. Therefore, if the customer is responsible for a crash while driving a replacement vehicle, payments for injury or property damage to others will be paid from the replacement vehicle's policy.

Note: Applicable to tort claims with a date of loss before May 1, 2021, or meets tort bar exceptions when the date of loss is on or after May 1, 2021.

Own Damage (Collision or Comprehensive) coverage

Depending upon the type of agreement signed by the customer, coverage for damage to the ATS courtesy or rental vehicle may be provided by the
  • customer’s Own Damage coverage on their own vehicle
  • coverage purchased by the customer for the courtesy or rental vehicle, for example,
    • Rental Vehicle Policy
    • RoadStar, or
    • RoadsidePlus, etc., or
  • coverage from the courtesy or rental vehicle's policy.
Parent topic: Alternative Transportation Service Standards