When involved in an accident, the primary objective is to assist with the vehicle, whether repairing it, declaring it totaled, or ensuring full compensation for property damages. One aspect frequently discussed during this process is what is known as loss of use. This pertains to the situation where the damaged vehicle is rendered unusable.

Typically, insurance companies offer a rental car during the repair period. Claimants may choose to obtain a rental from providers like Enterprise, U-Haul, Herz, or similar, with the vehicle being of a comparable kind to theirs. This arrangement is commonly offered for up to 30 days while the repairs are underway.

However, some claimants may opt not to use the provided rental car, having an alternative means of transportation. Yet, they can still assert a loss of use claim, stating that the damaged vehicle in the shop, though not in use, incurs ongoing costs such as registration and insurance. Consequently, during the repair period, a loss of use claim can be filed, seeking compensation based on a daily monetary amount calculated using reasonable rental rates in the community for that specific type of vehicle. This approach allows for additional compensation for clients affected by the loss of use during the repair process.