Sort of different, though.

What if your car is damaged, it's in the shop, the insurer is paying your rental. The shop calls in 3 weeks and says you know, the damage is more than it looked, the frame's been damaged, we need more money. Adjuster comes back out, and now totals the car.

Are they going to tell the insured that they no longer will cover the car he's been driving for 3 weeks? Don't think so.

Interim expenses should be covered, period. When people are on vacation, out of town, or whatever, they have to buy interim items, often of lesser quality than they typically use/wear, and at a premium to what they would typically pay (can't wait for the sale, don't know where stores are, don't have time to shop around, Walgreens is the only thing nearby, whatever). The customer should not have to eat that. It's not like they're exactly getting clothes they want -- they're just getting something to get through a couple of days.