Auto Insurance Claims/about insurance

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Expert: - 2/23/2009


Question
I was involved in a minor wreck. The person that hit me was giving a ticket and it was her fault. We have been calling her insurance company, she wont be back in untill Monday, what I was needing to know is that does her insurance company have to give us money for my car not being drivable? i was told that they would have to rent us a car, but it has been 4 days and we have heard nothing.

Answer
Hi Lenna,

Yes. You should ask for a payment for loss of use for the days you had no car. Usually a loss of use payment will be $15.00 to $20.00 per day. Or you can go ahead and rent a car on your own and then submit the paid bill to the insurance company for reimbursement. If you do this, be sure to tell the rental car company that this is an insurance claim because they have special rates for insurance claims.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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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 25 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 35 times.

Organizations
Society of Certified Auto Appraisers

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.

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