When not using the load remover, or not using LiveSplit at all and needing to calculate times based off timestamps / in-game-time, feel free to make a copy of the following Sheet which may assist as a template. https://docs.google.com/spreadsheets/d/1rIg9rMhOATaHZGaaJ-lwFQBJk_UMrcUGFkhZ6-hAm50/edit?usp=sharing

Loading is considered to have begun from the frame the screen becomes completely black after taking an action e.g. calling for emergency services or confirming a ferry departure. Loading ends on the frame that the truck becomes visible once more and inputs are accepted - sometimes on some versions there is a fade-in, in which case as soon as the screen is no longer fully black, time resumes.