What term is used to describe the inability to use a vehicle due to involvement in a collision?

The term "consequential loss" is used to describe the inability to use a vehicle due to involvement in a collision because it refers specifically to the secondary effects or losses that occur as a result of an initial loss event. In this context, the initial event is the collision itself, and the consequential loss arises when a person is unable to use their vehicle for everyday activities, such as commuting to work or running errands, due to the damage caused by the accident.

This distinguishes it from other types of losses. For example, "direct loss" typically refers to the immediate physical damage to the vehicle itself, while "indirect loss" can encompass broader impacts that also might not directly relate to vehicle use. "Loss evaluation" pertains more to the process of assessing the value of the loss, rather than describing its nature or implications. Understanding these distinctions is crucial in auto damage and theft cases, as it allows individuals and insurers to quantify the financial repercussions beyond just the repair costs.