Detailed Answer
After a crash, your auto policy’s rental reimbursement often limits days or dollars. Once that benefit ends, you still need reliable wheels. Under Indiana law, the at-fault driver’s insurer must cover “loss of use” of your vehicle as part of property damage liability coverage. See Indiana Code § 27-7-2-1 (defining property damage liability to include loss of use): https://iga.in.gov/laws/2023/ic/titles/027/articles/007/chapter/002.
Here are key steps and options:
- Demand loss-of-use from the at-fault insurer. Send a written request with rental invoices. Indiana courts enforce reasonable loss-of-use claims as compensable damages.
- Pay out-of-pocket and seek reimbursement. If the insurer refuses or caps payment, you can file a small claims suit (up to $8,000) in Indiana courts. See Indiana Code § 33-28-3-3: https://iga.in.gov/laws/2023/ic/titles/033/articles/028/chapter/003.
- Use ride-sharing or taxi services. Services like Uber or Lyft offer on-demand rides. Keep detailed receipts for reimbursement claims.
- Public transit. Buses, light rail or vanpools may serve your area. Preserve tickets or passes to document your loss.
- Repair shop courtesy vehicles. Many body shops lend loaner cars while they fix your vehicle. Ask your repairer upfront if they offer this service.
- Car-sharing programs. Platforms like Zipcar or Turo let you rent vehicles by the hour or day. Track usage and costs for claims.
- Borrow from friends or family. Informal loans can bridge the gap. Document any agreement in writing.
Helpful Hints
- Keep all rental or transportation receipts in one folder for your claim file.
- Send written demand letters to the at-fault insurer by certified mail.
- Review your own policy’s uninsured motorist or underinsured motorist coverage; it may include rental benefits.
- Check local public transit schedules early to avoid service gaps.
- Ask your repair shop about loaner cars before scheduling work.
- If you plan small claims, note Indiana’s jurisdiction limits and deadlines.
Disclaimer: This article provides general information only. It does not constitute legal advice. Consult a licensed attorney in Indiana for advice tailored to your situation.