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Michigan Farm Bureau Family of Companies

Rental, Replacement & Travel Reimbursement

Rental, Replacement & Travel 

Optional coverages can reimburse for rental, replacement, or travel expenses. Below are additional options available on the Farm Bureau Insurance Personal Auto policy.  


Rental Reimbursement  

Vehicle(s) may be endorsed to provide reimbursement for the rental of a substitute auto from a car rental agency or garage. The original auto must be unusable for more than 24 hours due to a loss (Comprehensive or Collision).  

Rental reimbursement coverage is only available on private passenger autos, pickups, and vans. Limit options of $30, $50, or $100 per day are available to cover the rental fee expense. Coverage is provided for a maximum period of 30 days.  


Replacement Cost Information  

Replacement Cost Coverage pays for the cost of a new auto of the same make and model, with similar equipment as the damaged vehicle, if available. Losses caused by fire, theft or larceny, or vandalism will be settled at actual cash value.  

The coverage is only available to the original owner of vehicles that are less than 3 model years old. Replacement Cost will automatically be removed at the first renewal after the vehicle is 3 model years old. Replacement Cost is not available to leased vehicles.  


Travel Interruption Information  

This policy may be endorsed to provide an expense allowance up to $600 per occurrence after a covered loss (Comprehensive or Collision) that occurs more than 100 miles from home. The covered vehicle must be unusable for more than 24 hours.  

The allowance will pay for reasonable expenses incurred for:  

  • Commercial or public transportation  
  • Lodging  
  • Meals  

Coverage is limited to the period of time reasonable to:  

  • Resume travel under a prearranged itinerary  
  • Return home  

No one can plan for an accident—but helping you be prepared in the event of one is how we can help. Contact an agent today for more information on optional coverages.