If you’ve been following any of our socials or blog posts, then you know that insurance companies are not always your friend. The truth is, they are a business, and they are always looking to maximize their profits year after year. There’s a reason why you see ads for them every Super Bowl and on every other webpage.
Unfortunately for you, this means that they are not going to do their due diligence when it comes to finding and fulfilling everything that your policy entails.
Let’s take Loss of Use insurance. If you have property damage on your car insurance policy, chances are you have Loss of Use insurance. This essentially provides money for you to rent a vehicle every day that your previous vehicle was unavailable, whether that be for repairs or the time it took you to buy another vehicle.
Because most of us have friends and family we can borrow cars from, you probably wouldn’t think about using this aspect of your claim. You probably called your spouse or friend and got rides to work or the grocery store while your car was in the shop. You might’ve even biked or walked places, all the while your insurance company was supposed to have provided a vehicle for you.
They’re not going to call you to let you know you could’ve rented a vehicle. If you don’t ask for it directly, they won’t mention it. They’re happy for that portion of your claim to never be paid and to keep that money in their pockets.
This is just one of MANY ways an insurance company does NOT have your best interest in mind and tries to minimize your claim in any aspect. Call an attorney for a free consultation and make sure you don’t miss these types of coverages that are available in your client. The insurance isn’t going to tell you about it. We will.
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