Auto Insurance Claims/loss of use

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Expert: - 9/26/2007


Question
my policy (full coverage) has add coverage loss of use  $25.00 a day/$750 max.
does this cover rental car when my car is in the shop for major repair.seems that nobody can answer this
thank you

Answer
Hi Hermi,

Yes and NO.  The answer is NO, if the "major repairs" are simply mechanical work, not the result of an accident or other damage covered by the policy.  Hence, if the "major repairs" were replacing a head gasket, then your insurance will not cover that.

Your insurance will only kick in if you have a loss as described in the policy.  For example, windstorm damage is under comprehensive and an accident is under collision.

Thus, if your "major repairs" were as a result of either of those, then the answer is YES, the repair time would be covered up to $750 for the rental car, at the rate of $25 per day.



Best wishes,

Dr. Settlement, J.D. (Juris Doctor)
www.SettlementCentral.Com

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27 years of front line plaintiff`s trial lawyer experience in PERSONAL INJURY INSURANCE CLAIMS. Along with other attorneys and insurance adjusters, we have created a website to help injured people settle their own personal injury claims. With the help from feedback from hundreds of satisfied members, www.settlementcentral.com has become THE AUTHORITY for Internet personal injury insurance claim settlements. I am humbled and honored if people can benefit from my experience and current volunteer work in helping injured people. I hope I can explain things in a manner that is useful for the questioner. If not, do not hesitate to e-mail me and I will take a second shot at it! Best Wishes for your physical and financial recovery.

Experience



Life Experience: 27 years of front line plaintiff's trial lawyer experience

Organizations:
American Trial Lawyers Association
Washington State Trial Lawyers Association

Publications: (Click on Title to Read)
Statute of Limitations
Vehicle Accident
Accident--Adjuster
Demand Letters
Policy Limits

Education/Credentials: J.D. (Juris Doctor) 1977

Awards and Honors: I am humbled and honored everytime I am selected to help injured people. And when people give feedback that they have benefited from my experience and current volunteer efforts, then that is a double honor and award for me.
 

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