Question 1

Am I owed a rental car during my repair, or just the repair itself?

Accepted Answer

If someone else caused the accident, their liability insurance typically owes you both — the repair and a comparable rental (or cash value) for the time your vehicle is out of service. It's a separate entitlement, not something bundled automatically into the repair estimate.

Question 2

The insurer only offered a compact car, but I drive a truck. Is that right?

Accepted Answer

No. You're entitled to a comparable replacement vehicle, not whatever's cheapest for the insurer to provide. If they're downgrading your rental class, that's worth disputing directly.

Question 3

My car was declared a total loss. Do I still get loss of use?

Accepted Answer

Yes, typically for a reasonable period to shop for and secure a replacement vehicle, not indefinitely. Insurers often try to cut this off too early — we push back on unreasonable cutoffs.

Question 4

What if the repair is taking longer than the insurer expected?

Accepted Answer

You're generally owed loss of use for the actual repair period, not just the insurer's initial estimate. Parts delays and supplemental damage that extend the timeline extend what you're owed, and we document that extension.

Question 5

What if my insurer is refusing to pay for loss of use at all?

Accepted Answer

That's exactly what this service handles. We document the vehicle's downtime, the comparable replacement cost, and the policy basis for the claim, then push the insurer to pay what's actually owed.

Loss of Use Claims

What is a Loss of Use Claim?

How The Process Works

Common Questions

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