How much will a physical damage policy pay for transportation expenses due to a theft of a covered auto?

• A. $10 per day up to $400
• B. $20 per day up to $600
• C. $15 per day up to $500
• D. $25 per day up to $700

Answer: (B)

Transportation expenses coverage under a physical damage auto policy reimburses reasonable costs to get around when your covered auto is out of service because of a loss like theft. The standard limit is a per-day payout up to a maximum total, designed to cover short-term transportation while the vehicle is being repaired or until a settlement is reached. In this typical Wisconsin question, the amount is $20 per day, with a maximum of $600. So you’re insured for up to $20 a day for as many days as needed, but not to exceed $600 in total. If the theft keeps the car unavailable for, say, 25 days, you’d be covered up to $500; if it lasts longer, you’d still stop at $600. This concept explains why the option with $20 per day up to $600 is the correct choice. Other daily amounts and maximums don’t match the standard transportation expenses limit.