Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 19, 2013

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Insurance Question from Memphis, TN

Asked on 02/19/2013

i have a loss of use endorsement on my policy for carrental and did not have to use it.Should i get reinbursed for the days my vehical was in the shop loss of use reinbursment

Answer given on February 19, 2013

If you have an auto accident your collision coverage will pay for the repairs less your deductible. The adjuster will work with you to make the estimate and work with the body shop to make the repairs. You choose the body shop.If you have loss of use coverage under the policy, this will reimburse you for a rental car while your car is out of service, or being repaired. There is usually a daily rate for the rental and sometimes a total amount limit for this coverage. You must actually rent a replacement vehicle to recover any payment from this coverage. Just because the car was out of service, and you had another way to get around, the insurance company will not pay you under this coverage. It is a reimbursement coverage. If you didn’t spend any money, there is no reimbursement to be made.


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