If you have been involved in a motorcycle accident and your bike is being repaired, the at-fault driver’s insurance company should pay some amount for a rental car. You might be wondering whether you have a right to challenge the insurance company’s decision to pay for a rental motorcycle instead.
Luckily, if you don’t prefer to drive the $25 for a rental car per day, you can demand the insurance company pay for a rental motorcycle. It is important to note that the insurance company may fail to inform you of your rights to a rental bike. Renting a motorcycle per day is more expensive, so insurance companies have an incentive to push you to rent a car instead.
If your motorcycle is damaged as a result of the accident, you are entitled to a rental motorcycle paid for by the other driver’s insurance company. However, this may not be as easy as it sounds since you need to prove that:
When you are involved in a motorcycle accident, you expect the at-fault party to have car insurance. However, this may not always be the case, and you cannot only count on the at-fault’s party’s insurance company.
Knowing your options allows you to have a fallback plan if the other driver does not have insurance coverage. If the other driver does not have an insurance cover, you stand a chance to make a claim with your own insurance company or file for a lawsuit.
If your rental reimbursement is not included in your insurance plan, you might have to consult your insurance company to check whether they will pay for the rental motorcycle. If not, you should consider reaching out to a Knoxville motorcycle accident attorney to discuss your options of recovering your rental motorcycle expenses.
If the at-fault driver was not insured but has a job, there is a way you can retrieve your money from their wages. However, it is important to note that receiving your rental expense compensation may be challenging if the other driver is not insured.
It can take time before you receive the money from the at-fault party’s insurance company. If you have reimbursement coverage, you can receive your rental reimbursement as soon as you reach out to your insurer.
Suppose the other driver admits liability and you do not have rental reimbursement coverage. In that case, you can take the risk to hire the motorcycle and issue a copy of the receipt to the other driver’s insurance company. However, if the insurance company declines to pay, you can contact our attorneys at The Law Offices of G. Turner Howard III to learn more about how you can retrieve your money.
If the other driver has not admitted to being at fault, hiring the motorcycle and immediately submitting a receipt to their insurance company is not advisable. In this case, you will have to wait for a few weeks before the adjusters can complete their review.
You’re entitled to recover the cost of renting a motorcycle whether or not you choose to rent one. The loss of use laws allows you to receive compensation for the period you will not use your motorcycle due to damages sustained during the accidents.
The decision to pick the type of motorcycle to rent will depend on the other driver’s insurance company or your insurance company. Primarily, they will allow you to choose a bike with an equivalent size or value to yours.
You can keep the rental motorcycle until your bike has been repaired or you receive a check from the insurance company. It is essential to record your communication with the at-fault driver’s insurance company. It would also be prudent to ask them how long they expect you to keep the rental motorcycle.
Whether your motorcycle is rendered a total loss or requires a few repairs, you are entitled to a loss of use compensation. It is normal for the other driver’s insurance adjusters to lower the amount you should receive for your loss of use claim.
The Law Offices of G. Turner Howard III can help. Our motorcycle accident attorneys will offer the legal representation and advice you need to ensure your rights are protected. Schedule a consultation with us today to learn more about how we can help you with your motorcycle accident loss of use claim.
