Migliaccio & Rathod LLP is investigating whether auto insurance companies in Iowa and Nebraska have improperly terminated rental reimbursement benefits following total-loss vehicle claims.
Some auto insurance policies provide rental reimbursement coverage while a damaged vehicle is being repaired or, following a total loss, during the time reasonably necessary to obtain a replacement vehicle. Depending on the policy, coverage may be subject to daily reimbursement limits, maximum payment amounts, or maximum rental periods.
Migliaccio & Rathod is investigating whether insurers imposed automatic rental benefit cutoff dates that were inconsistent with their policies, potentially leaving drivers responsible for additional rental expenses while attempting to replace their totaled vehicles.
Policyholders May Have Experienced:
- Having rental reimbursement benefits terminated shortly after receiving a total-loss settlement;
- Being told rental coverage would end after a fixed number of days;
- Losing rental benefits before reasonably obtaining a replacement vehicle;
- Paying additional rental car charges after the insurer ended coverage;
- Being denied reimbursement for otherwise qualifying rental expenses; or
- Receiving less rental coverage than the policy’s replacement-time provisions may have required.
Potential Claims May Include:
- Premature termination of contractual rental reimbursement benefits;
- Incorrect interpretation of rental coverage duration provisions;
- Breach of insurance contract;
- Improper denial or underpayment of covered rental expenses; or
- Violations of applicable insurance laws.
Signs You May Be Affected:
- You had an auto insurance policy in Iowa and Nebraska;
- Your policy included first-party rental reimbursement coverage;
- Your vehicle was declared a total loss after a covered accident;
- Your insurer ended rental benefits shortly after issuing a total-loss payment;
- You incurred additional rental expenses while reasonably attempting to obtain a replacement vehicle; or
- You have the policy endorsement, total-loss settlement documents, and rental receipts.
If you believe you experienced this issue, we would like to hear from you. Please complete the contact form on this page, send us an email at [email protected], or give us a call.