Ooida = scum bags

Are they secondary insurance, meaning your truck is also insured by a carrier that you are leased to? I could see them reducing it to only 10% liability if there is other insurance on the truck or if they determined the other party is 90% at fault, then you have to go after the other insurance. I am going thru this right now with my car carrier, no I don't have OOIDA insurance as they will not insure my type of operation as their insurance is geared more toward standard trucking businesses not ones that also need garagekeepers, warehouseman, and other coverage in addition to general liability types. My truck was wrecked on Jan. 8th by someone spinning out alongside me, the insurance companies fought over who was responsible until last week, then they decided to fix it, may be another three weeks before I get my truck back, I have rental coverage but they are still fighting over who is going to pay that so right now I am paying $698.75 a week for a rental POS tractor from Ryder hoping that I get reimbursed by one of the insurance carriers.

Bottom line, all insurance companies suck, they are in business to make money and they make money by keeping their payouts as low as possible. In your case it sounds like OOIDA is trying to share responsibility with another party because I can't see how they could reduce an estimate by 90% even with used parts. Good luck.

 

Okay so now we have a few more details. Unfortunately that still does not tell us a great deal. Were you at fault? What did you hit/what hit you? "Acts of God" aren't covered under collision. From what you're saying, it sounds like you hit a deer or wild animal. This is almost always covered under COMPREHENSIVE coverage. Collision only applies if you've hit or been hit by another vehicle.

All of this stuff matters and can affect how you're paid out or if you're paid out at all. Again, just because you have and pay for coverage doesn't mean you'll be covered for everything.

I wish you the best of luck. My best advice is to pour over your coverage and its terms. It's true that insurance companies are cheap and will try to pay out the least amount they can; however, even if it's buried inside legal jargon and mumbo jumbo, the reasons why they've reduced the pay out amount is going to be detailed inside their terms and what you agreed to pay for.

If you can't find it, then CALMLY (I can't stress that enough...those calls are recorded and they can be used against you.) call and speak with a representative. As I stated previously, there's not enough information here for me to pick a side.

 

I see, they are looking at every little nick and scratch, using the pre-existing clause to devalue the repair. This is common and unless you have recent dated pictures to prove the condition of the truck immediately before the deer hit they will get away with it. Animal hits are comprehensive coverage and those claims can be a pain to settle as there is no one else the insurance company can share the cost with so they really pick them apart.

 

And you didn't invite us over for venison?! Geez...

See? That's what I mean though, as Brian and I stated that's covered by comprehensive.

Also, insurance companies keep this category separate for a reason. You can't prove any of the damage as your only witness doesn't speak English and/or is dead. That means it's all on you to prove it was those deer that caused the damage. Anything, even from a month prior, which shows that area of the truck undamaged will be your best friend here. Dot inspections, family pictures, pictures from friends, or even a picture some ####### took because he wanted to rat you out. Anything like that would be helpful. Otherwise, this is very typical of all insurance companies.

When dealing with anyone who has something to gain, or lose, ALWAYS cya.

 

I hit a deer twice with the same truck,first thing to do is call the police and get a report and take pictures.both insurance companies paid me the body shop quote minus deductible.i totaly agree with the op,the only thing OOIDA is after is MONEY under the disguise of protecting truckers rights.

 

You're not wrong, again I reiterate what I stated in my original post. It's a business, they are out to make money and not pay it. That's the nature of all businesses.

In either case, the only way to win out against an insurance company is to either jump through all their hoops after the incident, or to CYA all along. Covering Your ### is far easier than jumping through those hoops.

That being said, when you pay your fees to them that is you signing a contract with them. "By paying my fee, you agree to uphold your end of this contact and provide services when required." If you have comprehensive coverage, and you're being honest about the damage (I am 99% sure you are, deer cause lots of damage and I guessed what it was just from the damage you'd stated. So I don't think you're being dishonest about the damage.) then they are required to uphold their end of the deal. Don't let them get away with it. The represent us, but it doesn't mean you won't have to fight for proper representation.

Good luck! ...and don't be a one-post-wonder.

 

Hey Dr_Fandango44 I see your in the Austin area,Where are you having you body work done?