What type of coverage is NOT typically included for temporary substitute autos in personal auto policies?

When considering temporary substitute autos in personal auto policies, physical damage coverage is often not included. A temporary substitute auto is typically considered a vehicle that is used temporarily while the insured’s regular vehicle is being repaired or is unavailable. These vehicles usually enjoy liability and personal injury protection coverage under the insured’s policy.

However, physical damage coverage, which deals with damage to the vehicle itself, may not automatically extend to a substitute vehicle unless specified. The reason for this limitation can stem from the underlying intention of personal auto insurance, which is to primarily cover liability to others rather than comprehensive or collision damage to the insured's own vehicle when substituting another vehicle.

While personal liability and personal injury protection are crucial components that generally extend to temporary substitute vehicles within the framework of personal auto insurance, the inclusion of roadside assistance is more variable and often considered an additional service or rider rather than a covered risk. Therefore, physical damage being excluded from coverage for temporary substitute autos aligns with the standard exclusions found in many personal auto policies.