Hi all,
First post here, much appreciate your help with pursuing a loss of use third party claim (the other driver's insurance company is MetLife).
I'll keep the message short but am happy to provide more information and edit this post if there is interest.
I was in an accident in November 2020 (my Model 3 was a year old at that point). The other driver was 100% at fault, accepted responsibility. I also had video evidence of the accident.
The driver's insurance company agreed in a couple of days to pay for the repairs at a Tesla approved body shop (in WI). Repairs came out to about $4K.
After getting the car back, I informed the adjuster that I intend to pursue a diminished value claim. They gave me a ridiculously low value but after about 1 month of back and forth (happy to provide more details), they gave me an offer for approx $5K. Not intending to drag it on any further, I accepted it (was about 80% of the average DV estimates I received from a few different appraisers).
For loss of use, I am running into some difficulties. The car was in the repair shop for 16 days. The insurance company has offered me $25/day for 14 days. I've seen elsewhere on this forum about providing rental costs from Turo to back up my claim. My questions are:
First post here, much appreciate your help with pursuing a loss of use third party claim (the other driver's insurance company is MetLife).
I'll keep the message short but am happy to provide more information and edit this post if there is interest.
I was in an accident in November 2020 (my Model 3 was a year old at that point). The other driver was 100% at fault, accepted responsibility. I also had video evidence of the accident.
The driver's insurance company agreed in a couple of days to pay for the repairs at a Tesla approved body shop (in WI). Repairs came out to about $4K.
After getting the car back, I informed the adjuster that I intend to pursue a diminished value claim. They gave me a ridiculously low value but after about 1 month of back and forth (happy to provide more details), they gave me an offer for approx $5K. Not intending to drag it on any further, I accepted it (was about 80% of the average DV estimates I received from a few different appraisers).
For loss of use, I am running into some difficulties. The car was in the repair shop for 16 days. The insurance company has offered me $25/day for 14 days. I've seen elsewhere on this forum about providing rental costs from Turo to back up my claim. My questions are:
- Should the loss of use calculations be based on a "similar" car? If so, it will be a Model 3. Or any car? $25/day would probably be for a sub-compact or compact car. I did not rent a car during this period. My understanding is that in WI, loss of use claims are valid even if one does not rent a car.
- Elsewhere on this forum, I've read that to do the claim, I must inform the other insurance company in writing about what I am requesting. Any pointers on what this letter must contain and who it should be addressed to?
- If I want to proceed to small claims court, will this be against the other driver or the driver's insurance company? Should I talk to the other driver in advance before filing the paperwork?