Transportation Expense (TE) coverage requires which other types of coverage to be in effect?

Transportation Expense (TE) coverage is specifically designed to cover the costs incurred for renting a vehicle when your insured vehicle is unavailable due to a covered loss. This coverage is typically tied to physical damage coverage under a personal auto policy, which consists of Collision and Other Than Collision (also known as Comprehensive coverage).

In order for Transportation Expense coverage to apply, either Collision or Other Than Collision must indeed be in effect; this is because TE coverage activates due to the loss of use of your vehicle as a result of a covered physical damage incident. If you only have liability coverage without Collision or Comprehensive, Transportation Expense coverage would not be applicable since there would be no covered event triggering the need for a rental vehicle.

Thus, it's essential for either Collision or Other Than Collision to be part of the policy for the Transportation Expense coverage to apply effectively.