Tesla Case Study: Loss of Use Claim

When your car is being repaired after an accident, you’re losing more than just time — you’re losing your ability to drive. Most people don’t know that they may be entitled to compensation for every day they were without their vehicle. This is called a Loss of Use claim, and it’s one of the most overlooked ways to recover money after an accident.

What Is a Loss of Use Claim?

Loss of Use refers to the financial compensation you’re entitled to for not being able to use your car after an accident. Even if you didn’t rent a car, you still experienced inconvenience and loss of mobility — and that has value. This type of claim helps you recover that loss, especially if the accident wasn’t your fault.

2. Who Can File a Loss of Use Claim?

In Florida, if someone else was at fault for the accident, you have the right to file a Loss of Use claim through their insurance. This applies even if:

• You didn’t rent a replacement car

• Your vehicle wasn’t totaled

• You already accepted a repair payout

Many insurance companies won’t bring this up unless you ask.

2. Who Can File a Loss of Use Claim?

In Florida, if someone else was at fault for the accident, you have the right to file a Loss of Use claim through their insurance. This applies even if:

• You didn’t rent a replacement car

• Your vehicle wasn’t totaled

• You already accepted a repair payout

Many insurance companies won’t bring this up unless you ask.

How Is the Compensation Calculated?

The value of your Loss of Use is typically based on the daily rental rate of a similar vehicle, multiplied by the number of days you were without it. For example, if your car was in the shop for 20 days and a comparable rental costs $45/day, you may be owed $900. A professional appraisal helps document this in a way insurers accept.

Why Insurance Won’t Tell You About It

Loss of Use is often ignored or underpaid because insurance companies rely on you not knowing your rights. If you don’t ask — and prove the value with documentation — you likely won’t receive anything. That’s why working with a certified appraisal service is so important.

How to File a Loss of Use Claim

1. Gather your repair timeline and paperwork

2. Request a Loss of Use appraisal from Prestige VS

3. Submit the report to the at-fault driver’s insurance

4. Follow up with documentation and negotiation if needed

Even if the insurer pushes back, having a detailed report gives you strong leverage.

How to File a Loss of Use Claim

Final Thoughts

Don’t let the days you were stranded go unpaid. Loss of Use is a real, claimable part of your accident recovery — and most drivers miss out on it. Let Prestige VS help you get compensated for the time, inconvenience, and mobility you lost. Fast reports. Real payouts. You deserve it.