Idaho Loss of Use Claims Explained
You need a vehicle even during repairs.
When another driver is at fault for an accident, their insurance company is responsible for more than just fixing your car. They are also responsible for the “loss of use” you suffered, including the cost of being deprived of your vehicle while it was being repaired or until you received a settlement for a total loss.
You should not have to shoulder the cost of a rental car or other transportation when you were not at-fault.
Often, at-fault insurance companies ignore this responsibility or try to limit what they pay
- Kristian Beckett - Attorney
Look for these Red Flags.
The adjuster says “you got a rental” and is completely ignoring that the Toyota Yaris they provided is not the same as the Suburban your family of 8 used before the accident. This inconvenience has a value, and the insurance company is responsible.
The insurance company’s own delays in inspecting the vehicle, approving the estimate, or authorizing supplements are extending the repair time. If their delay is the reason you’re in a rental longer, they should be the one to pay for it.
They offer to reimburse you at a very low daily rate that doesn’t cover the actual cost of a reasonably comparable rental vehicle in your area.
Discover more red flags
The Insurance Company's repair offer is too low and now you're stuck paying the difference out-of-pocket.
Your car’s resale value dropped after repairs, and the at-fault insurer won't acknowledge and pay for the loss.
They're calling your car a "total loss," but their payout offer is far less than what your car was worth.
Should you request a case review?
If you’re getting stonewalled on your transportation costs, it may be time to take stronger action. Before requesting a review, check if you can say “yes” to any these:
- Was the other driver at fault for the accident that took my car off the road?
- Have I encountered one or more of the "Red Flags" listed above in my dealings with the adjuster?
- Have I submitted my rental receipts or a request for loss of use compensation to the at-fault party's insurer?
- Has the insurer denied my request or made an offer that doesn't fairly cover my costs for a reasonable repair period?