PAYS for damage to or loss of your car, less any applicable deductible, resulting from perils such as fire, theft, vandalism, and striking an animal, but not collision. this coverage allows up to$ 15 a day (to a limit of$ 450) for substitute transportation (rental or other transportation costs including taxi, bus and train fare) until your stolen auto is recovered. personal property is not covered unless it is permanently installed in your car, such as a tape deck. if your car is financed, your lender may require this coverage.
If your automobile is stolen, you must report it to the police and your insurance company. You will be reimbursed for transportation costs after the first 48 hours following the report.
You may be denied Comprehensive cover-age or required to pay a higher extra-risk rate if you own a high-theft vehicle which does not have a qualifying anti-theft or recovery device. Coverage may be denied or priced higher under certain other conditions.
Source: Massachusetts Department of Insurance
