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Need advice about insurance issue

Discussion in 'Canadian Truckers Forum' started by bobina, Jun 2, 2013.

  1. Jun 2, 2013 #1
    bobina

    bobina Bobtail Member

    8
    0
    Aug 25, 2011
    Calgary, AB
    0
    Hi everyone,
    I would like your advice. My husband works as O/O leased to one ON company. He did have an accident 2 days ago - he had to stop on side of road and this road broke down. All his trailer was 45 degrees inclined all night, police officers called towing service get him back on road, but they could not help, they needed call second towing truck for help etc. Pretty heavy rain, very big chance he will turn on side to the river next to road ... everybody has tons of time for everything .... but finally they helped. That cost him 1300. What I am trying find out, if we can claim this from insurance company. He did not get any ticket, so I suppose they did not think that it was his fault. Appreciate any advice, thank you.
     
    bobina, Jun 2, 2013
    bobina, Jun 2, 2013
    #1
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  3. Jun 2, 2013 #2
    Prairie Boy

    Prairie Boy Road Train Member

    3,258
    1,914
    Nov 18, 2010
    Edmonton, AB
    0
    The Deductible would be higher than the tow bill.
     
    Prairie Boy, Jun 2, 2013
    Prairie Boy, Jun 2, 2013
    #2
  4. Jun 3, 2013 #3
    gokiddogo

    gokiddogo Road Train Member

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    Mar 5, 2012
    Ontario Canada
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    With insurance often times a claim is a claim no matter if you file a claim for $1300 or one for $250,000. IF you claim this and in a few years something REALLY big happens and you need to claim truck, trailer, cargo, they may drop you altogether. For this low amount you are best to just bite the bullet.
     
    gokiddogo, Jun 3, 2013
    gokiddogo, Jun 3, 2013
    #3
  5. Jun 3, 2013 #4
    Calspring

    Calspring Light Load Member

    290
    144
    Jun 22, 2012
    Canada
    0
    As PB said the deductible will be higher than the tow bill. It wouldn't be worth it as I could easily see them now justifying a $1300 rate increase over the next few years to recoup. Truck insurance isn't the most competitive industry.
     
    Calspring, Jun 3, 2013
    Calspring, Jun 3, 2013
    #4
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