OK, now I understand. That worked out well for you last time. Hopefully, there'll never be an opportunity to test that coverage limit again but if there is you'll be in a better position to deal with the reality of today's rental car cost. I did the same thing a while back... increased my rental car reimbursement coverage from $40/day to $100/day. It added less than $50/year to the premium so I figured it's worthwhile. Now, if only Ford would schedule my MME for production!You're right, it's not stated to work that way AFAIK, but last time my car was under repair following an accident for a significant time (45 days) I had chosen (i.e. gotten stuck with) a cheaper car (avg $28/day after taxes/fees) and they ended up reimbursing me the max payout for my policy ($1200, 30 days at $40) even though based on my daily average rate they should have only covered about $840 total for the first 30. My out-of-pocket was $60 instead of $420, and the shop covered the $60 because the delay was partially due to them ordering the wrong parts.
Will I get that treatment again? Who knows, but it's worth the $4/month gamble to me. Especially because there's no way in heck I could get a car for anywhere near $28/day. The full $50/day probably won't even cover it.