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About Richard Hixenbaugh
Expertise
Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience
I have been involved in the insurance industry for over 20 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 10 times.

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present clients
My company has done work for consumers nationwide.

You are here: Experts > Autos > Auto Insurance > Auto Insurance Claims > Loss of Use & Fleet Utilization Log

Auto Insurance Claims - Loss of Use & Fleet Utilization Log

Expert: Richard Hixenbaugh - 11/8/2009

Question
I was involved in an accident twice the same weekend, once with third party and second with nobody, the car just rammed into the curb. I had paid for this rental car using AMEX, I filled a claim with AMEX, they have received all the required documents, but the "Fleet Utilization Log" from the rental company. AMEX says it will not cover insurance if they do not receive the Fleet Utilization Log. I don't know why would the rental company not provide it. Is it a plot to screw the customer? as AMEX say they don't cover the Loss of Use. Please Help

Answer
Hi Amol,

Loss of use by a rental company is usually denied by most insurance companies unless the log is provided. This is because in order for the rental company to claim that they lost money due to this vehicle not being in service they have to prove that every other vehicle in their fleet was rented and they were turning down customer becuse they had no cars available. Just let Amex handle this. They will deal with the insurance company. If the rental car contacts or writes to you, simply refer them back to Amex or send Amex any letters you receive.

I hope this helps
Richard Hixenbaugh

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