Most drivers feel anxious when they notice a semi-truck directly behind them or next to them on the freeway. Big rigs are intimidating vehicles that cause many of the most severe crashes reported every year. They are responsible for multi-vehicle collisions, underride crashes and rollover incidents.
Thousands of people every year lose their lives in crashes caused by semi-trucks. Tens of thousands of other people have significant injuries following a crash with an 18-wheeler. When the circumstances clearly show that a semi-truck and/or its operator was/were at fault for a crash, crash victims in a smaller vehicle may want to pursue compensation for their injuries and other losses.
Who is usually financially responsible for a semi-truck collision?
Insurance typically covers crash expenses
Every driver with a license and a registered vehicle has to carry an automotive insurance policy. Personal vehicle insurance requirements exist on a state-by-state basis. The insurance requirements in every state are slightly different. Given that many semi-trucks travel interstate routes, state-by-state insurance coverage could cause major legal and financial headaches.
Thankfully, there are federal regulations that apply to commercial vehicles. The Federal Motor Carrier Safety Administration (FMCSA) mandates a minimum of $750,000 of liability coverage on commercial trucks that weigh 10,001 pounds or more. Some transportation companies and owner-operators driving vehicles they own themselves carry more insurance than the law requires to further insulate themselves from potential liabilities.
While there may be a robust insurance policy available, claims against commercial policies tend to be very complex. Insurance providers are more aggressive when they have more to lose. In some cases, they may refuse to settle or may offer inappropriately low settlement amounts. In such situations, those coping with significant losses may have few options other than taking legal action.
It is often possible to file a personal injury lawsuit against a transportation company for a semi-truck crash. Employers are usually liable for the actions or negligence of their workers. If the crash is the result of poor employment practices or improper vehicle maintenance, then the company may have direct liability for the collision.
Those hoping to cover their expenses after a semi-truck collision may need assistance. They may find it difficult to evaluate an insurance policy on their own or to negotiate with insurance professionals. Getting the right assistance can make all the difference for individuals dealing with the aftermath of a semi-truck collision. A successful compensation claim could help someone cover hospital bills, property damage expenses and even lost wages. Those who have appropriate support have a better chance of a favorable outcome after a semi-truck crash.