Is it totaled?

[Bacstar]

I think for most insurance policy's that is a extra cost most do not get. I did not add it as the chances are low compared to how much it cost.

I'm with USAA, and it's separate. I included it because I only have one car. I think it added a couple dollars to my monthly, but I get max 30 days and up to $30.00 per day for a rental. I've already had to take advantage of this part of my policy twice already in the last couple years, so I'm definitely glad I had it. It's pretty much paid for itself already;