It has been my experience (though not with trucking) that for loss of use issues the best avenue is to get a policy that provides that for you. When your truck gets damaged your insurance company will cut you a check that day for a rental while yours is being fixed. Then your insurance company will try to get the money back from the other involved party or their insurance company.
good luck.
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Nothing is foolproof to a talented fool.
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The Road goes ever on and on
Down from the door where it began.
Now far ahead the Road has gone,
And I must follow, if I can,
Pursuing it with eager feet,
Until it joins some larger way
Where many paths and errands meet.
And whither then? I cannot say.
-- J R R Tolkien
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