This is more a question of state law than policy interpretation. Both the standard commercial and personal auto insurance policies have available endorsements to schedule loan/leased autos as covered autos. For personal lines policies PP 03 35 Auto Loan/Lease endorsement should be attached. For commercial auto policies, endorsement CA 20 71 Auto Loan/Lease Gap Coverage should be attached. Each of these endorsements state the required payments of the carrier in a total loss situation for the lease/loan of the covered auto. Any expenses not listed in the applicable endorsement are not covered by the policy. However, there may be additional costs or expenses that the insurer may be required to pay by a state law. Therefore, the specific state laws will need to be researched to determine what other expenses may be required to be paid by the insurer.