Insurance claim question

Discussion in 'Ask An Owner Operator' started by afterburn25, Aug 2, 2016.

  1. afterburn25

    afterburn25 Medium Load Member

    516
    229
    Jul 7, 2012
    Lafayette, LA
    0
    Last week I was climbing into my truck and the truck next to me took off and there sleeper extended out past the cab and it grabbed my door and opened it up further. needless to say it messed it up pretty good. the woman that hit me was nice and got right on the phone with her insurance company and admitted fault. She passed me the phone and I gave them my info they said they would pay my damages no problem just to go where i would normally take it and get a quote. So I did that there going to have to replace the door plus gonna have to paint it and change hinges and a few other things. I still have to get a quote to decal new door and of coarse quote doesn't include the possibility of discovery of other things needing replace once they start taking things apart. but does look like i will be inuring some downtime at least a week maybe more depending on how long parts take.

    Problem is I really cant afford downtime im keeping up with the bills but that's about it if im down I wont be able to pay my bills currently things been pretty slow just trying to weather the storm till things pick back up. I think the insurance should pay for my down time. Is that an unreasonable request how does all that work how soon can I get paid for it and also what if it ends up being a little longer then anticipated due to repairs taking longer. do I put in additional claims.
     
  2. Truckers Report Jobs

    Trucking Jobs in 30 seconds

    Every month 400 people find a job with the help of TruckersReport.

  3. Bakerman

    Bakerman Road Train Member

    4,663
    8,812
    Jan 27, 2013
    Phoenix, AZ
    0
    They should either pay for your downtime for a rental truck
     
  4. Dryver

    Dryver Road Train Member

    2,818
    2,575
    Nov 30, 2008
    Sioux Falls, SD
    0
    Agreed, It is more likely they will pay for a truck rental for the time yours is in the shop. Shouldn't need an additional claim, add it to the current one.
     
  5. passingthru69

    passingthru69 Road Train Member

    Yep gather up all your info and break it down to show how a day you are doing
    Let them know ahead of time about this
     
  6. Hulld

    Hulld Road Train Member

    2,883
    6,567
    Oct 19, 2015
    Upstate NY
    0
    Agreed
    When I got backed in to in Winchester va. last October the insurance company paid for my damages off the estimate and then paid me a lost revenue payment.
    The lost revenue was for down time while the truck was being fixed.
    On a little side note if someone hits you and claims full responsibility try not to give out any of your insurance info if you don't absolutely have to.
    Even though you have no fault what so ever you insurance company can hold it against you that you were involved in an accident.
    When I was backed in to I withheld all my insurance info because I was in the sleeper at the time of the accident and not at fault.
    The other drivers insurance paid and they had no knowledge of who my insurance co. Was.
     
  7. afterburn25

    afterburn25 Medium Load Member

    516
    229
    Jul 7, 2012
    Lafayette, LA
    0
    yes I didn't give them anything there was no need and she didn't ask she was very cooperative and was honest with her insurance company and admitted fault so i don't anticipate any problems.

    But also keep in mind our insurance is of public record and anyone could look it up if they so desired.
     
  8. Scooter Jones

    Scooter Jones Road Train Member

    9,551
    19,977
    Apr 19, 2011
    0
    When I worked in the office of a trucking company, if one of their trucks was put out of commission, they would back charge the the offending party's ins co $650 a day.
     
  9. Scooter Jones

    Scooter Jones Road Train Member

    9,551
    19,977
    Apr 19, 2011
    0
    How would one who is involved in a road accident where it's obvious the other person caused it, withhold providing ins information?
     
  10. Hulld

    Hulld Road Train Member

    2,883
    6,567
    Oct 19, 2015
    Upstate NY
    0
    Agreed that they could look you up on the dot safer site but the idea is to keep your insurance company fat dumb and happy sort of speak.
    Fly under the radar when you can........
     
  11. x1Heavy

    x1Heavy Road Train Member

    34,017
    42,135
    Mar 5, 2016
    White County, Arkansas
    0
    When my truck got totaled I did not have to say a word about my own insurance.

    Agreed with the others on losses that are piling on you, file em I say. Add em up.
     
  • Truckers Report Jobs

    Trucking Jobs in 30 seconds

    Every month 400 people find a job with the help of TruckersReport.