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Auto Insurance Claims/compensation for the loss of use of our truck

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Expert: Bennie719 - 10/18/2007


Question
I was in an auto accident last Friday.  The other party is at fault.  The auto is not driveable.  We have not rented a car because we have another vehicle.  The other vehicle uses alot more gas.  Even if we do not have the at fault partys insurance company rent us a vehicle are we entitled to receive compensation for the loss of use of the damaged vehicle?  If so, how do I go about asking about this to the insurance company.

Answer
Hi Lynn,
The adverse insurance company is only liable for actual losses.  If you do not actually rent a replacement vehicle, you have suffered no loss other than inconvenience.
The adverse company does not pay you for inconvenience.
Therefore, you are not entitled to any compensation.
I hope this has been of help.  Pleas write again if I can be of assistance.
Sincerely,
Bennie
San Francisco Bay Area 10-17-07 11:41 PM PST

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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