Uninsured Motorist Coverage—Rental Reimbursement

A claims department has recently turned down a claim for rental reimbursement on an uninsured motorist claim on a personal auto policy (although they did pay the wrecker bill). I contend that the uninsured motorists coverage should pay rental reimbursement also, but the company claims this is not included in the coverage. I believe that UM coverage was introduced to give the insured an option to pick up uninsured motorists liability—rental reimbursement is certainly an out-of-pocket expense. Are we correct?

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