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In general...what should I expect an insurance company who offers a "down time" endorsement to pay..say my truck was struck by a unit from another carrier while I was parked causing my unit to be out of service for 18 days and in the shop for 15 of those days. My insurance company says their...

Hello all-my team is running a 2005 Western Star 4900 straight truck with Detroit Diesel 60 series/tandom axles getting about 7 mpg on hwy. I don't really think this is 2 unusual since truck is reefer with APU, 120 gal tanks, liftgate. However, I'm trying to look for poss answer for this...