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QQuestion on details below?

Person has a car accident without going to the hospital,so far the settlement Insurance claim as included check for fixing the car and check for the car rental.Their Insurance is telling me no "Loss of Wages" cannot be done under the claim because,since I did not go or need to go to the hospital,under the "Bodily Injury" part of the policy "Loss of Wages" cannot or will not be done by them.need to know if this sounds right and is normal under industry policy?

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