A red semi truck with its hood removed and the engine and mechanical parts exposed.

When it’s time to shop your trucking insurance, be sure & ask about downtime coverage!

If a truck is in the repair shop for an extended period of time, it can cause significant issues for a motor carrier. To protect motor carriers if a truck is not drivable, a great A+ carrier will include “Downtime” coverage that could provide $450 per week for a maximum of eight weeks or until the repairs are completed and the vehicle is determined to be roadworthy, whichever comes first.

Some companies include Downtime Coverage at no extra charge, as part of the motor carrier Physical Damage and Non-Trucking Use Physical Damage coverage.

The coverage has a 35-day waiting period that begins when three conditions are met:

  1. Approval to repair.
  2. The insured has given the repair facility approval to repair.
  3. The vehicle is out of service for repair because of a covered loss and is in the custody of the repair

As always, you can count on the commercial truck insurance professionals at The Daniel & Henry Company to assist you through challenging claims and all of our insurance, risk management, and safety issues. Contact us today to discuss solutions for your transportation risk management program.

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