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For example, if your family normally spends around $200 a week for food, but now you are staying in a hotel without a kitchen, you may need to eat out for most of your meals. Eating out is costing you $300 a week. Under loss of use coverage, the $100 additional expense per week would be covered.
Importantly, under Montana law, the insurer must cover the costs of a rental car for the period of time it takes to fix or replace the damaged vehicle. In Montana, insurance companies are required to provide ?reasonable? repairs for your vehicle.
What to Include in Your Demand Letter for Property Damage Add as many details about how the property got damaged. ... Make sure to include exactly what you are demanding payment for. ... Include how you would like to receive payment.
For instance, let's say your home is damaged by fire. You're unable to use your kitchen to cook, so you've been eating your meals at a restaurant. Your tab at the restaurant was $600 for the week, but you normally spend $300 weekly for groceries. Your loss of use coverage will pay out the difference of $300.
MO | With regard to the lost ability to use personal property (loss of use), the measure of damages is the reasonable rental value of comparable property for the period of time necessary to repair or replace the damaged property, regardless of whether or not a rental was obtained.