Auto Insurance Claims: Market Value and Loss of Use Claim, current market value, insurance company

Question
My husband was recently rear-ended on his scooter just 2 blocks from our home. The other driver has accepted responsibility and their insurance company is ready to settle. They offered high blue book, which is not current market value (I found ads at a number of dealers with higher $$). Also, they did not offer anything for loss of use. The only place in town that rents anything comparable charges $100 a day, plus insurance. My husband just bought the (used) scooter last October and the insurance company is offering 25% less than what he paid for it. I've countered with copies of current listings, as well as the quote from the rental company. No reply from the insurance company (but it's only been a day.) What is fair here?

Answer
Hi Jan,

The insurance company owes you for the fair market value of the scooter. All vehicles go down in value on a monthly basis. If the scooter was purchased last October, it will be worth somewhat less now. You seem to be doing the right thing. Just present them with all of the pricing info you can and be ready to negotiate.

Since the scooter is a total loss, they technically do not owe for loss of use.

I hope this helps
Richard Hixenbaugh