A clearer understanding
of your loss.
Loss of use addresses the time a vehicle is unavailable because of an accident. Depending on the jurisdiction and claim facts, compensation may relate to reasonable rental expenses or the value of comparable substitute transportation.
The time without your vehicle has value
Loss of use addresses the period your vehicle was unavailable because of an accident. Depending on the jurisdiction and claim facts, compensation may relate to reasonable rental expenses or the value of comparable substitute transportation.
- Applies to private passenger and business vehicles
- Fleets, rental vehicles and loaners raise distinct questions
- Business claims may need records of the vehicle’s function
- The loss can exist even without a rental, depending on the jurisdiction
A reasonable period, supported by records
Repair and replacement periods must be documented. Shop timelines, parts availability, inspection dates and insurer communications help explain the period — not every delay is necessarily compensable.
- Repair start and completion dates matter
- Parts delays and supplements should be documented
- Total loss replacement periods follow their own logic
- Insurer communications help explain the timeline
Comparable rates and vehicle classes
A reasonable substitute should reflect your vehicle’s class and purpose. Rental invoices and relevant local rate evidence may support a claim; rules about actual rental expenses vary by jurisdiction.
- The substitute should match the vehicle’s class
- Rental receipts are strong evidence where they exist
- Local market rate evidence can support the claim
- Whether a rental must have been obtained depends on the jurisdiction
Review the jurisdiction and the facts
Eligibility, reasonable duration, recoverable rates and required documentation depend on state law and the claim’s circumstances. Our preliminary review is not a legal determination or a promise of payment.
- State law shapes what can be recovered
- Documentation requirements vary
- A preliminary review clarifies your options
- No outcome is ever guaranteed
This information is general, not legal advice. Availability of services and claim assistance depends on applicable law and authorization. A valuation is professional evidence, not a guaranteed recovery.