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Commercial claims

Commercial Vehicle Loss of Use: Building the Documentation

When an income-producing vehicle is unavailable after a covered or recoverable loss, the quality of the business records can be as important as the repair estimate.

Establish the downtime

Keep tow records, repair dates, parts-delay documentation, supplements, communications and the date the vehicle returned to service.

Document the economic impact

Depending on the claim and jurisdiction, useful records may include trip logs, dispatch records, rental or substitute-vehicle costs, revenue history and other business records relevant to the claimed loss.

Show mitigation efforts

Document attempts to rent, substitute, reassign or otherwise reduce the loss. A clear chronology helps explain why downtime lasted as long as it did.

Separate facts from assumptions

A professional package should identify its source records and explain calculations so the carrier or opposing party can follow the claimed amount.

Have TrueAuto review your claim

Send the documents you already have. We will screen the matter and explain what information would be useful next.

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This page provides general educational information, not legal advice. Policy language, claim facts, and applicable rules vary by jurisdiction.

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