Semi-trucks or 18-wheelers are typically the biggest vehicles present on public roads. They are much taller and heavier than traditional passenger vehicles. They can potentially cause much more serious crashes because of their massive size.
Those involved in semi-truck collisions might reasonably expect a straightforward compensation process after a crash. Even in scenarios involving relatively extensive injuries, people affected by semi-truck collisions may have a difficult time securing compensation afterward.
What factors often complicate requests for compensation when semi-trucks cause collisions?
Challenges related to establishing fault and liability
In many crash scenarios, fault is easy to establish. There is little question that one driver broke the law or did something obviously unsafe immediately before the wreck. The driver at fault then has an obligation to cover the losses of the people affected by the crash by providing insurance coverage. If they lack proper coverage, then the other parties may have grounds for personal injury lawsuits.
There are numerous parties who could be at fault or liable for semi-truck collisions. The driver, their employer, the client that loaded the trailer, manufacturers or even mechanics might be liable. A thorough review of the situation may be necessary to establish fault and therefore liability for the wreck.
The likelihood of intense negotiations
Insurance professionals generally make concerted efforts to limit what they pay after collisions. The greater the potential losses for the insurance company, the more intense negotiations may become. Federal law requires more robust insurance for commercial trucks. Owner-operators and transportation companies typically need to have at least $750,000 in liability coverage.
Those higher insurance requirements help people cover costs when semi-truck collisions cause catastrophic injuries or fatalities. However, with so much coverage in play, the insurance company is likely to respond quite aggressively to insurance claims.
Insurance professionals may employ aggressive negotiation tactics, such as offering lowball settlements and refusing to communicate with claimants. People already struggling with grief or severe injuries are usually not in a position to advocate for their rights calmly when an insurance company treats them unfairly.
Thankfully, those negotiating with insurance providers or preparing for litigation have the right to secure legal representation. Partnering with an attorney can help people make sense of liability and fault. The attorney representing them can also help manage the insurance claims process. Individuals who acquire appropriate support may improve their chances of obtaining adequate compensation after a collision with a semi-truck.