Which type of incident initiates loss of use coverage under the SPF#1 policy?

Loss of use coverage under the Standard Automobile Policy (SPF #1) is typically triggered when a vehicle is rendered unusable due to an incident that prevents the owner from driving it. The theft of the vehicle is one such incident that meets this criterion, as the vehicle is no longer available for use at all.

When a vehicle is stolen, the policy provides coverage to compensate for the loss of use while waiting for the vehicle to be recovered or while dealing with a claim for a new vehicle. This coverage is essential because it recognizes the inconvenience and financial impact on the vehicle owner due to the theft.

Other incidents, such as minor scratches, accidental collisions, or glass breakage, do not universally cause a vehicle to be unusable or incapable of being driven. For example, minor scratches may not prevent the vehicle from being operated, and while an accidental collision can lead to loss of use, it depends on the severity of the damage. Similarly, glass breakage might or might not affect the vehicle's operability depending on where the damage occurs. Therefore, theft is the incident that most directly initiates loss of use coverage under the SPF #1 policy.