Commercial Vehicle Truck Claims
Commercial vehicle truck insurance claims are often more complex than auto claims. In addition to physical damage, losses that commonly occur include loss of business income, loss of business personal property, and equipment damage.
Our team of licensed appraisers, public adjusters, and attorneys understands the unique challenges of commercial claims. We handle everything — so you can focus on getting your business back on the road.
Commercial Claims Require Professional Management
Submitting a commercial vehicle truck claim can involve management of claim documentation, handling of ongoing correspondence, and understanding of the commercial policy. Mistakes and errors can lead to lengthy delays and even wrongful denials.
There may be other significant expenses related to a commercial claim that may be reimbursable under a commercial policy. Losses and expenses in a commercial claim should be managed with the assistance of professionals in the field. Don't go it alone — call 1-888-967-6488 today.
Types of Commercial Vehicle Claims We Handle
We handle all aspects of commercial vehicle insurance claims, from physical damage to business interruption losses. Every claim is managed by licensed professionals — not a call center.
Total Loss
When a commercial vehicle is declared a total loss, the financial impact extends far beyond the vehicle itself. Insurance companies use consumer-grade valuation tools that don't account for commercial upfitting, DOT compliance equipment, or specialized configurations. We provide certified appraisals that establish the true replacement value.
Diminished Value
A commercial vehicle with an accident history faces significant depreciation — fleet buyers and dealers pay less for trucks with damage records. Our diminished value appraisals document the exact market impact, helping fleet owners and owner-operators recover lost value from the at-fault party's insurer.
Loss of Business Income
Every day your truck is off the road, your business loses revenue. Whether you're an owner-operator or manage a fleet, we document and quantify the loss of business income — including contracts lost, loads missed, and revenue forfeited — to ensure proper compensation under your commercial policy.
Commercial Equipment Loss
Specialized equipment — refrigeration units, hydraulic lifts, cranes, PTO systems, and custom toolboxes — mounted on or carried in commercial vehicles can represent tens of thousands of dollars. We appraise equipment losses separately from the vehicle to maximize your recovery.
Business Personal Property Loss
Tools, inventory, cargo, electronics, and other business personal property damaged or destroyed in a commercial vehicle accident may be covered under your policy. We help document and value every item to ensure nothing is overlooked in your claim.
Every Day Off the Road Costs You Money
The longer your truck is out of service, the more revenue you lose. Act now.
Trucks Our Experts Can Assist With
Our team has experience with all major truck manufacturers, both North American and European. No matter what you drive, we can help.
North American Manufacturers
European Manufacturers
Frequently Asked Questions
Can I claim loss of business income for my truck?
Yes. If your commercial vehicle is out of service due to an accident, you may be entitled to compensation for lost revenue under your commercial policy or from the at-fault party's insurer. We document daily revenue, contracts, and loads to build a comprehensive business income loss claim.
What if my truck's total loss offer seems too low?
Insurance companies frequently undervalue commercial vehicles because standard valuation tools don't account for commercial upfitting, DOT compliance equipment, or specialized configurations. Our licensed appraisers conduct thorough market research to establish the true replacement value of your truck.
Do you handle fleet claims?
Absolutely. We work with fleet operators of all sizes — from single owner-operators to large commercial fleets. Our team can manage multiple claims simultaneously and coordinate with your fleet management team to minimize downtime.
What about equipment mounted on my truck?
Specialized equipment — refrigeration units, hydraulic lifts, cranes, toolboxes, and other commercial equipment — is appraised separately from the vehicle. Insurance companies often overlook or undervalue this equipment. We ensure every piece of equipment is properly documented and valued.