the inability to use an automobile, premises or some equipment due to damage to
the vehicle, premises or articles caused by the negligence or other wrongdoing of
another. Examples compensation for each day a car is out of commission during repairs
or for the period of non-occupancy while a burned building is restored. A common
standard of compensation (payment) is rental value of the automobile or premises,
but the period of loss must be "reasonable," meaning the damages will be limited
to a period in which a person would normally and promptly proceed to have the vehicle
repaired or arrange reconstruction of the building or premises.
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