Picture of Truck

Getting into any type of accident can be terrifying and dangerous, but when you are in a passenger vehicle and get into an accident with a commercial truck like an 18-wheeler, the results can be catastrophic. Simply considering the size difference between these two types of vehicles is enough for you to understand the difference in the accident, but the reality is that the differences go far beyond the physics of the crash. When you file a claim with a commercial insurance policy, you will quickly come to recognize that the process is far more complicated than a passenger vehicle insurance claim.

Luckily, 1-800-Injured is available to connect you with a truck accident lawyer as soon as possible, who is ready to take your case and help you fight for the money that you truly deserve. After a serious accident like this, the last thing that you should need to do is try to navigate the complexities of these types of insurance claims and the extensive requirements and requisites that will factor into determining things such as fault, cause, and more. Truck drivers are held to a very high standard in the United States, starting with a Commercial Driver License and extending to things like driving hour restrictions, certifications for certain types of cargo, and more.

Read more below to get a general sense of the differences between a truck accident insurance claim and a passenger vehicle accident claim, and contact us as soon as possible to be connected with a lawyer who can provide you with even more clarity and specific advice for your situation. The sooner you are working with a lawyer, the sooner you can focus on your recovery without being overwhelmed by this complex legal process.

What Makes a Truck Accident Insurance Claim Different?

The key to understanding what to expect during this claims process is to understand the major differences between consumer and commercial insurance policies, as well as some of the specific regulations pertaining to truck drivers in general. The following are just a few examples, but once you are connected with an attorney through 1-800-Injured you will be able to learn far more, in greater detail, as it pertains specifically to your case.

Higher Policy Limits

Trucks pose a bigger threat than passenger vehicles simply because of the enormous difference in size between an 18-wheeler and the passenger vehicles that they share the road with. In addition, trucks are carrying large amounts of valuable cargo and are on the road far more than an average private vehicle. These factors, and more, lead to many commercial insurance policies having coverage of $1 million or more. 

More Regulations

Since truck drivers are on the road much more than private drivers and are carrying enormous loads in massive vehicles across long distances, there are many more regulations that a truck driver must adhere to. This begins with their CDL but goes beyond that into strict maintenance schedules, driving limits, and cargo restrictions such as weight and material. Each of these regulations and requirements introduces an additional factor that could contribute to determining fault in the accident but requires the victim to take an in-depth look at all of the available information. 

More Aggressive Insurance Representatives

As you can imagine, when there are much higher policy limits and settlements on the line, the insurance company is more motivated to protect their financial resources and limit their payment amounts. Since these policies have much higher limits, the good news is that there is more money available to cover your injuries and damages; but, you are going to need to work to get it. When you hire an attorney, they can take on the insurance company while you focus on tackling the most important aspects of your accident, like recovering from your injuries and getting your life back on track.

If you’ve been injured in a truck accident, you need legal help. 1-800-Injured is an attorney and medical referral service that connects truck accident victims with lawyers. Call today.