If you cause an accident, and your unit is “Down” and you can’t work, then your Insurance Company will pay you “X” amount of dollars while your vehicle is “in the shop”. But what if someone hits YOU?
that “Downtime Coverage” is something you can add to your Commercial
Auto Liability Policy. If you cause an accident, and your unit is
“Down” and you can’t work, then your Insurance Company will pay you “X”
amount of dollars while your vehicle is “in the shop”. It’s pretty
straightforward and Agents seldom get involved because “Claims” handles
it all the time.
But what if someone hits YOU? Sure, that Insurance Carrier will pay to fix your vehicle, but who is working on your behalf to make sure you receive “Loss of Use” when someone else is at fault? You can guess that other person’s Insurance Carrier won’t be volunteering to pay you while you’re out of work without a little extra effort.
This additional Claims Assistance is something that a Good Agent will provide for you as YOUR advocate. Your Agent should help you in calculating the dollar amount due to you for the “Loss of Use” of your vehicle. This is something that is not provided by an Insurance CARRIER, it’s provided by your Agent… if they care about you.
It’s in your best interest to check with your Agent BEFORE you need the help to make sure this is a value added service they provide at no cost to you.