Rental Car and Loss of Use in Granbury, TX
Short answer: The at-fault driver's insurer owes you for the reasonable time you're without your car, usually a comparable rental. Since 2016, Texas also allows loss of use when the car is a total loss.
Total losses count too
In J&D Towing, LLC v. American Alternative Insurance Corp. (Tex. 2016), the Texas Supreme Court held that an owner can recover loss of use even when the vehicle is destroyed. The period has to be reasonable: roughly the time needed to get a replacement.
When the rental gets cut off
Insurers often end rental a few days after the repair is done or the total loss offer is made. Ask in writing for the end date, and keep records of shop delays and parts backorders that weren't your fault.
Comparable means comparable
If you drove a crew-cab truck, a compact car isn't a comparable rental. Ask for the same class. If the insurer refuses, rent the comparable vehicle and save every receipt for the claim.
Granbury without a car
Granbury has very little public transit, and work commutes to Fort Worth along US 377 are long. Keep mileage, rideshare and borrowed-car notes, because going without a car here costs real money.
Granbury and Hood County help
Inside city limits, Granbury Police Department responds. On US 377 outside town, on SH 144 or on county roads, it is often a DPS trooper or the Hood County Sheriff's Office. Ask for the case number either way, because you need it to request the CR-3 from TxDOT.
Emergency care: Lake Granbury Medical Center; JPS Health Network (John Peter Smith Hospital); Texas Health Harris Methodist Hospital Fort Worth.
Next: what to do in the first few days.
Common questions
My car was totaled. Do I still get loss of use?
Yes. Texas allows it for total losses since J&D Towing (2016), for a reasonable replacement period.
Should I use my own rental coverage?
It's often faster. Your insurer can recover from the at-fault driver's insurer later.
Talk to someone about your Granbury wreck
Ask for a free case evaluation. A trusted local attorney will contact you promptly. No cost, no obligation, and wrecks anywhere in Texas qualify.