What is required for transportation expenses under a personal auto policy?

Transportation expenses under a personal auto policy are designed to provide coverage when the insured's vehicle is out of commission due to a covered peril. In this context, "out of commission" typically refers to situations where the vehicle is being repaired or is not usable as a result of an accident, theft, or other insured damages.

When a vehicle is out of commission, the policy may cover transportation costs incurred due to the inability to use the vehicle, such as rental car expenses or other alternative transportation. This coverage helps to mitigate the inconvenience and financial burden faced by the insured while their vehicle is being repaired or replaced.

Other situations, such as vehicle theft, a car accident, or vandalism, might indicate a need for transportation expenses, but "out of commission" is a broader category that encompasses multiple scenarios where the insured’s vehicle is temporarily unusable due to covered damage. Thus, the necessity for coverage is triggered when the car cannot be used for its intended purpose, making this the most comprehensive and appropriate answer.