The principal issue is whether loss-of-use damages may be recovered under an insurance policy when the insured vehicle, a tow truck, was destroyed and lost profits were claimed for the time before it was replaced. In this case J&D lost its only tow truck in an accident, settled with the other driver's insurance for policy limits, then claimed damages for the time it was out of business under its own policy's underinsured protection. The trial court awarded J&D damages for its lost profits, but the appeals court reversed and rendered judgment for American Alternative Insurance Co., holding precedent reserved loss-of-use damages for when a vehicle could be repaired.