Understanding Commercial Truck Insurance After an Accident | Hourigan Kluger & Quinn
Learn why commercial truck insurance can be more complex than ordinary car insurance after a serious accident.
Commercial Truck Insurance Can Involve Multiple Policies
Truck accident claims often involve more complicated insurance issues than ordinary car accident claims.
Commercial trucks may be covered by larger policies because they can cause severe injuries and major property damage. There may also be separate policies for the truck, trailer, cargo, trucking company, contractor, or employer.
Insurance coverage may depend on who owned the truck, who employed the driver, whether the truck driver was working at the time, what cargo was being transported, and whether the trip crossed state lines.
Primary insurance and excess coverage may both become important after a serious crash.
Insurance companies often begin investigating quickly after a truck accident. Their investigation may include statements, scene inspections, vehicle inspections, record reviews, and communication with the trucking company.
Injured people should be careful about giving recorded statements or signing documents before understanding how the insurance coverage works.
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Understanding Your Legal Rights After an Accident
Understanding your legal rights after a truck accident is important because multiple commercial insurance policies may affect how medical bills, lost wages, and other damages are handled.
Click here for more information and to review your options.