The insurance company doesn't want to pay.

Doesn't matter.

Being 1,000 miles away from the truck you're seating a new driver in reeks of carelessness. Even giving the keys to a truck that's outside your back door to someone who has not signed the contract is recklessly dumb. Letting him have access to a loaded truck is asinine bordering on criminally insane.

Pay for the damages and move on before the government starts looking at what's behind the curtain because I guarantee fighting this is going to cost you more.

 

owner takes credit for a successful business decision. Right?

Owner also takes credit for stupid business decision as well.

the “owner” can’t be this dumb and still be in charge of a company.

the threshold must have been lowered.


The “owner” sounds like a Snowflake. “It’s not my fault.” “Everyone else is at fault.”

tell the owner to suck it up buttercup, welcome to the big leagues. Because in this industry everyone has the shaft except you, and not all are lubed.

 

Sounds like a lot of excuses. The driver didn’t sign the contract. The driver left without being insured. The agent didn’t add the driver. The owner was 1000 miles away.

The driver shouldn’t have had access to the truck without being insured, period. The absentee owner gambled and it bit him this time. Nobody to blame except the owner for running such a loose ship. Maybe next time they shouldn’t be 1000 miles away when bringing on a new driver.

 

This owner has a lot to learn about the trucking business, starting with taking responsibility for their actions. My advice is to read the exclusions and limitations portion of the insurance policy as that policy document is the contract for coverage and it is the only thing that matters for who is responsible and when the insurance carrier can get out of paying.

Now, if the owner has proper insurance for being an interstate motor carrier, which is suspect given the other posts from the OP, their MCS-90 portion must cover any public liability up to $750,000 ($1M for some carriers) if the truck involved in the crash was displaying the US DOT number associated with the MCS-90 bonded insurance policy, regardless of the truck or driver being listed on a declared auto policy. That said, the insurance carrier fully retains the right to subrogate against the motor carrier to recover what they paid out on their behalf for an unlisted driver or vehicle. This means, the vehicle owner is still liable for the damages regardless of having insurance coverage or not.

Reading between the lines, I suspect the OP is the "owner" that was "1,000 miles away" and didn't list the driver since in his post yesterday he was complaining about being put out of service and forced to drive his Turo rented F-150 towing his wrecked pickup and trailer back to Texas. This type of Mickey Mouse crap happens all the time then the owner complains about how unfair and messed up the system is.

This is the same poster that honestly tried to argue they were not a motor carrier while towing their wrecked truck displaying a US DOT number back home. Sorry, this is interstate commerce as it was a business move transporting the wrecked truck even if it was his own property. All that would make it is private motor carrier of property so no authority is needed but all the other rules still apply.

This is also the same poster that tried to complain when put out of service for no log book on this business purpose trip that they were forced to drive in the bad weather, no, they could have stayed parked longer than the 10 hour out of service, and if they really didn't believe they were a motor carrier at the time why comply with the out of service order?

This whole post sounds like someone trying to find anyone other than themselves to blame for their failures and poor decisions.

 

his first mistake was thinking since most here are truckers and some retired, we to stooopid to 2 and 2 together.

 

Correct me if I'm wrong but doesn't it only take one conversation to add a driver?

Not multiple emails and letters.

The driver is either accepted with one conversation or not.