Insurance Companies and Truck Accidents
Our law firm stands up for victims
If you've been involved in a truck accident, you are likely looking at a complex insurance situation. Dealing with the insurance company after an accident involving two passenger cars isn't easy, but those accidents are quite a lot simpler than those involving commercial trucks. The insurance companies, and the trucking companies they represent, will put all of their resources to work to protect their bottom line - and that means they'll fight to avoid giving you the compensation you need.
In order to stand up to those insurance companies, you need an experienced truck accident lawyer from NLE Law on your side. Here's what you need to know:
There are nearly always multiple insurers involved
If your accident involved a tractor-trailer, the cab and the trailer generally have separate insurance carriers. The cargo inside the trailer may be insured by an entirely different company. And if your truck accident involved multiple vehicles - which is quite common when trucks jackknife or roll over - every vehicle involved means a different insurance policy is also involved.
In some cases, having multiple insurance policies involved can work to your advantage because there is potentially more liability coverage available. However, without an experienced attorney on your side, you are not likely to be able to get the compensation you need. Remember that accepting a financial offer from any insurance company can affect the other companies' liability as well.
The stakes are high, and the insurance companies know it
Truck accidents tend to be high-stakes cases for the insurance carrier for two reasons. First, because commercial trucks are much larger than passenger cars, they tend to cause catastrophic injuries. With the sheer amount of force involved, broken bones, spinal cord injuries and traumatic brain injuries are all common. Those severe injuries often require long-term care, which may cost hundreds of thousands or even millions of dollars.
Second, trucking companies generally carry much more liability coverage than owners of passenger cars. That means the insurance company could potentially be on the hook for massive amounts of money. In other words, your accident represents a lot of exposure to their bottom line - and their goal is to limit that exposure as much as possible.
In general, the law is on your side - but they don't want you to know it
Commercial truck drivers are held to higher legal standards than private motorists. They are required by law to keep a log of their driving hours and to take mandatory rest breaks. Moreover, the legal limit for blood alcohol content (BAC) is 0.04 for truck drivers - half the limit for private motorists. In short, there may be a legal standard of liability that the truck driver violated, which would work in your favor.
However, the insurance companies understand those laws - and their client, the trucking company, controls most of the relevant documents and evidence. They may contest liability for the accident and use that information to their advantage.
You need an attorney to level the playing field
When there are multiple insurance companies involved, each with teams of attorneys on their side, you need to contact an experienced truck accident lawyer of your own as soon as possible. Our attorneys are experts at dealing with complex insurance situations and coordinating coverage to get the best possible recovery for our clients. We're here to hold negligent trucking companies accountable, even when their insurance carriers stand in the way. More importantly, we'll put our time and resources to work to help you get all of the compensation you need to move forward after being injured.
Remember, the sooner we can take action on your behalf, the more likely it is that you will have a positive outcome. That's why we encourage you to schedule a free consultation with our firm right away. Call (206) 623-7520 today.