What does substitute vehicle coverage typically offer to insured individuals?

Substitute vehicle coverage provides insurance for temporary rental or substitute vehicles that an insured individual may use when their primary vehicle is unavailable, often due to repairs or accidents. This type of coverage ensures that the insured is protected financially for liabilities that may arise while using a rental or another vehicle that serves as a temporary substitute. This is particularly useful since individuals may still need to drive for their daily activities even when their own vehicle is out of commission.

The other options do not accurately represent the specifics of substitute vehicle coverage. For instance, coverage limited only to the insured's primary vehicle does not encompass substitute vehicles, while protection for personal property in the vehicle pertains more to personal belongings rather than vehicle use. A fixed rate for any vehicle use suggests a blanket policy approach, which is not reflective of the tailored nature of substitute coverage that is specifically designed for temporary situations.