Lost wage Insurance claim

Discussion in 'Ask An Owner Operator' started by ElSobrino, Mar 22, 2023.

  1. ElSobrino

    ElSobrino Bobtail Member

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    This morning I was hit while parked by a hot shot driver that didn’t turn wide enough. This is my first time being involved in an accident since having my CDL. I’ve been involved in 1 other accident in my adult life, also not at fault. For that accident I was working a hourly job and the at fault party insurance co paid me lost wages. My question is does that still apply in the cdl world and how would it be calculated? I’m also in a hotel next to the collision center I would expect the insurance co to also pick up this tab as well?
     
    Last edited: Mar 22, 2023
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  3. Beaver9

    Beaver9 Heavy Load Member

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    So, you might still deal with loss, damaged equipment, unpaid time. Good luck!
     
    Last edited: Mar 23, 2023
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  4. Beaver9

    Beaver9 Heavy Load Member

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    I wish we could get paid an hourly rate. But it doesn't seem so.
     
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  5. Long FLD

    Long FLD Road Train Member

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    You’re an owner operator. There is nothing in the world stopping you from selling your services at an hourly rate.
     
  6. Judge

    Judge Road Train Member

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    Some insurance claims will have you submit the last 3 months.
    Then they’ll charge back the one at fault and pay you your weekly average for the past 3 months.
     
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  7. Opus

    Opus Road Train Member

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    I've had 2 claims against other driver's insurance. Both times I calculated my daily pay and both times it was paid. For me, it was $300-$400 a day. And, yes. If the repair requires you to stay in a hotel, charge that as well.
    I found that the easiest and quickest way to get paid was to be reasonable. If you're going to claim $1,200 a day in lost wages, you're gonna fight and not get it in the end.
     
  8. ElSobrino

    ElSobrino Bobtail Member

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    Thanks for your answers @Judge and @Opus im not looking to get rich just receive fair compensation.. from the sounds of y’alls answers I’ll be able to get what I’m expecting..
     
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  9. Opus

    Opus Road Train Member

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    Documentation of what you make will help greatly.
    But, yeah, neither time did I have much trouble getting what was owed me.
    Just document, document, document.
     
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  10. ElSobrino

    ElSobrino Bobtail Member

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    That’s one thing also so I just started o/o life/journey approximately a month ago so I really only have approximately a month of wages/settlements I was working previously as company driver so just not sure on what they are going to want me to do some research I’ve done says they could want past 90 days or past years tax returns
     
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  11. Opus

    Opus Road Train Member

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    Well, let's hope that last month was strong. LOL..... Anyway, they'll probably bite at $400 a day plus hotel and repairs
     
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