In 11/2018 I was in a rental car hit by a deer. I did not take insurance. The car was declared a total loss. My own insurance (progressive)will not pay loss of use ($1142);towing/storage ($578)or administrative fees($300) charged by Budget (Sedgwick claims). I am now charged$1692 for the accident. Question ...If the car is a total loss how can I be charged loss of use if the vehicle would never be on the road again? Should I refuse to pay this and what are my legal rights?..thank you.