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Auto Insurance Claims/Insurance Policy rental coverage..GPS??

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Expert: - 1/30/2012


Question
My vehicle has a built in GPS system which I use for work, I  was recently involved in a car accident, and provided a rental car while my vehicle is repaired. Shouldn't my or the other driver's insurance cover a GPS for my rental since it is used for work purposes?

Answer
There is a difference between the way each insurer would handle this.  Your insurer would provide whatever your policy contract allows for.  Normally this is a dollar limit and does not indicate a type of vehicle or features in the rental.

If the other driver caused the accident, his/her insurer owes you reasonable loss of use.  In this case, you could make a good argument that you lost use of your gps and need it, so in my opinion, they should cover it.

Auto Insurance Claims

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Claims Guy

Expertise

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer......I can answer questions related to any aspect of Automobile insurance claims and coverages. I can provide an inside look at how insurers operate. I always treat my customers fairly and want to help make sure you are treated fairly. However, please keep in mind that being treated fairly according to the law does not guarantee that you will get what you want. I can also answer some questions regarding Homeowner's and other types of insurance claims. I have handled all types of auto insurance claims and coverages. I am NOT an automotive repair expert but can give advice re how insurers handle complex repair issues. Please keep in mind that every state has its own set of laws pertaining to rules of the road, liability, and insurance. No one is an expert on every state. I am most familiar with laws in Maryland, DC, West Virginia, and Virginia, but will attempt to answer questions for other states. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Experience

I am currently an Auto Claims Manager for a large insurance company. I have 18 years experience in the industry, having worked as a Claims Adjuster, Injury Settlement Negotiator, Claims Manager, SIU/Fraud Investigator, and Compliance Officer. I am not an attorney an cannot provide legal advice. My advice will be my opinion based on my experience.

Organizations
CPCU Society. Adjusters license in multiple states. International Association of Specal Investigators

Education/Credentials
I have a B.S. in Finance and have completed the AIC and CPCU designations.

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