What is the name of your state? Louisiana is where I reside , Lake Charles , LA. 70605 is the community where the cow accident occurred . I loaned a 1994 GMC P/U truck to an 18 year old to go out with his girlfriend and 1 other teen . He was driving at 11 p. m. to his dates home in the country on a dark , unlite road and struck a dark colored cow standing in the road . The cow did not survive and my truck was destroyed and immobile . The teens were OK and were driven home after the police wrote the report and called out a wrecker to remove the damaged truck . The wrecker service was picked by the Calcausieu Parish Sherrifs office and my vehicle was towed to the wrecking yard . The deputy took five or six days to complete the accident report , while I attempted to find the owner of the cow that caused the accident . This took considerable time to find the owner and when found he would not return my phone calls . I finally was able to speak to him and recieve the name of his insurance agent , but 2 months had passed since the accident . He had never reported this occurence to his insurer and the insurance company has written a letter to me stating that the case is being handled under a Reservation of Rights regarding duties of a policyholder to comply once an incident occurs . They go on to say I need to mitigate my damages concerning wrecker fees and storage fees . The letter states there will be no consideration of storage charges since I failed to mitigate my damages . Correct me if I'm wrong , but if the cow was not in the road there would not have been any damages or storage and wrecker fees . If the client of the insurer would have notified his insurance company right away and contacted me about the insureds claim , there would have been a lot less time that passed and a lot less wrecker and storage fees . I did not have a choice with the wrecker company and i did not authorize any storage fees , this was handled by the officer at the accident . I would have had to pay for 2 wrecker fees and storage fees some place else to mitigate my damages . Please help me with a decision on this matter . I am considering small claims court to litigate this matter . Thankyou for any suggestions , Keith [/I][/I][/B]