Which of the following is a supplementary payment under a Personal Auto Policy?

Supplementary payments under a Personal Auto Policy are designed to provide additional benefits beyond standard coverage and are included in the policy terms. These payments are not subject to the limits of liability and are intended to cover certain costs that arise as a direct result of a covered incident.

One of the core provisions of supplementary payments is the coverage for loss of earnings for trial appearances, which allows for reimbursement of expenses incurred by the insured when involved in legal proceedings related to a covered claim. This is why the specific mention of $200 per day for loss of earnings for trial appearances is considered a supplementary payment and aligns with the supportive nature of additional costs related to the legal process.

In contrast, psychological counseling costs do not fall under the typical parameters of a supplementary payment within a standard Personal Auto Policy. Life insurance policy benefits are unrelated to auto policy coverage and will typically not be part of the personal auto supplementary payment provisions. Rental car reimbursement, while often a part of auto insurance coverage, generally operates under a different section of the policy focused on physical damage rather than supplementary payments.