As the term explains itself, loss of use coverage means compensating for the expenditure incurred on travel during the period your automobile is out of service on account of maintenance or repairs, or because it is being replaced by another automobile. From practical point of view, this simply translates into the facility, that you can rent a car for your use during this period, the expenses of which will be covered by the car insurance policy. This coverage is normally referred to in the auto insurance industry as the car rental coverage clause.

Opting for loss of use coverage in your car insurance policy is without any doubt an important clause that you would like to include. For majority of people, the thought of going for a comprehensive car insurance coverage and auto insurance quotes, is many a time one of the last things that crops up in their minds.

Having said that, a life without a car even for some days is pretty tough. Majority of people use their cars daily to commute to office and back home. Further, most people use cars even for shopping their daily needs like food and other things. The reality of the matter is that you often realize the importance and necessity of your car in your day-to-day life, only when it is unavailable for use.

If the above statement seems overstretched by any means, try out this one-day experiment. Give away your car for one whole day to your best friend and take my word for it that you will go nuts by noon!

To summarize the above discussion, loss of use coverage in automobile insurance is very significant to say the least. It is difficult to imagine the benefits of such coverage, until the day, when you have to move about without your car because it is lying in the repair shop. Paying for a rented car, out of your own pockets even for some days is a costly affair. On the other hand, paying additional 10 to 20 bucks annually in your car insurance policy to include loss of use coverage, is any day a profitable proposition. You need to go for it!