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Question

If my dump truck is damaged in an accident, will I be paid for not being able to use it?

I was driving a company dump truck and was hit by a box truck. The other driver was at-fault and the dump truck is out of commission until it gets repaired. Will I be paid for the days that I wasn’t able to use the vehicle? I can’t make money if I don’t have the truck.

Agent Answer

Neil Richardson

The insurance company of the at-fault driver should be providing a replacement vehicle until your truck is repaired. You might even have coverage for a replacement on your existing commercial policy so it might be a good idea to contact your insurance provider to ask. Worst case scenario, you may have to file a lawsuit against the driver of the other vehicle to recoup your lost wages from not being able to use your truck.

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