The towing and labor endorsement limit applies per what?

The towing and labor endorsement limit applies per occurrence. This means that when a towing and labor endorsement is included in a personal lines auto policy, the coverage limit for towing and associated labor costs is applicable to each separate event or incident that necessitates towing or labor services. For example, if a policy has a limit specific to towing expenses, that limit is available for each unique situation where towing or labor is needed, rather than being cumulative over the policy period or related to a specific vehicle. This helps policyholders understand that multiple claims can be made under this endorsement as incidents arise, as long as they align with the coverage stipulations and limits of the endorsement. Each occurrence is treated individually, allowing for multiple uses of the coverage without reducing the limit for future incidents.