Loss of Use Recovery
Get compensated for the time your vehicle is off the road.
Minimize Loss of Use (LOU) Liabilities and Defend Your Margins
Within most fleets, LOU recovery is overlooked. Although legal in most states, 70–80% of LOU claims go unfiled, undervalued, and unsuccessfully pursued, leaving significant post-accident operational costs unrecognized.
As your LOU subrogation partner, Cadex recovers your outlays for equipment transfers, administrative expenses, and lost revenue. With a notable success rate, we help fleets reduce leakage, and defend margins, as follows.
Don’t Make LOU An Afterthought
Many TPAs and in-house teams lack the time or expertise for detailed LOU pursuits. Cadex determines full value upfront and resolves new subrogation efficiently, accelerating recovery for downtime, towing, and rescheduling costs, for example. Some Cadex clients have recouped millions in LOU alone!
Don’t Take No for an Answer
LOU denials often hinge on documentation gaps, policy interpretations, causation disputes, and state law nuances. Cadex builds airtight loss calculations, timelines, and legal support, handling appeals end-to-end to overturn denials. We work with your team to continually gather substantiating evidence.
Don’t Leave Money on the Table
Most fleets recover less than 30% of what LOU they're owed. Cadex knows how to pursue every dollar for every type of fleet in every state. Using proven formulas, templates, and strategies, we itemize your true costs and make irrefutable LOU demands so you receive the highest reimbursement possible.
Don’t Miss Out on Any Opportunity
After thousands of audits, we know many “closed” files still hold uncollected LOU and APD. Even when your team thinks all funds are recovered, our specialists uncover collectibles under statute and pursue these funds at no upfront cost. Our specialty: putting “found money” back into your finance team’s hands.
Get Full LOU Reimbursement for Any Fleet Vehicle
If your company has been reimbursed for physical damage, the adverse carrier has already admitted liability. That means you can demand repayment for the affiliated costs of repairs.
Tractor-trailer and freight fleets Limousines, taxis, and rideshare vehicles Construction and agricultural vehicles Dealership and rental fleets Tour and school buses Telecommunication, cable, and hydro fleets Safety and emergency services fleets Corporate and government fleetsProtect Your Profitability with Our Proven Process
Cadex partners with in-house teams and TPAs to recoup LOU at any stage — alongside or after an APD subrogation claim, and even after an initial LOU demand has been made. Our methodical process ensures you are adequately reimbursed. Recovering full LOU helps fleets offset operational costs and allows reinvestment in safety, maintenance, technology, and development.
We retrieve claims data, loss runs and supporting documentation.
Our team reviews and gathers key details to build a strong demand.
We submit a demand, even if the claim was previously denied.
90% of closed claims are recovered
Outcome
We re-enter negotiations.
We negotiate to maximize recovery.
We escalate when necessary.
Start with a Simple Audit
Trying a new partner can feel risky, but Cadex makes it simple.
Share a small loss run of your not-at-fault accident claims, and we’ll review each file, identify missed LOU opportunities and, with your permission, reopen viable claims with no upfront cost.
We keep your cash flowing to keep your fleet moving.
Capture More Cash with a True Claims Partner
Working with Cadex on an ongoing basis means more than recovering lost funds — you gain a partner committed to improving your subrogation processes.
We collaborate with your teams to make gathering evidence and pursuing LOU a standard practice.
How Many Commercial Fleets Are Improving LOU Recovery
School Bus Fleet Recovers LOU and More APD
A school bus fleet consistently recovered APD but had never pursued LOU, leaving tens of millions unclaimed. With Cadex, they recovered $1.1M in LOU in Year 1 alone and collected $4.2M in total from 2022 to 2024.
Self-Insured Recoups $20k in One LOU Case Alone
A fleet owner pursued LOU but wasn’t fully compensated. The adverse carrier offered $26,000 for 26 days. Our demand: 44 days at $1,041.48/day, or $45,825.12. Arbitration accepted our case, and we recovered $19,825.12 more for the fleet.
Frequently Asked Questions
Deadlines vary by state and claim type. Examples include:
- New York: Generally 3 years from the date of loss.
- Massachusetts: Typically 3 years for damage claims, up to 6 years for contract-related claims.
- California: Usually 3 years for property damage, 4 years for contract disputes.
Acting promptly is key, as claims still within statute can often be collected even on closed cases.
Yes. Cadex manages LOU claims for fleets across all U.S. states. Whether your fleet operates regionally or nationwide, we ensure compliance with local laws to maximize recoveries.
Essential documents include repair invoices, vehicle downtime logs, fleet utilization records, and administrative cost breakdowns. Accurate documentation increases the likelihood of full recovery.
When a Crash Hits Your Cash Flow
We Get Difficult Done™
