Being involved in a truck accident can be overwhelming, especially when dealing with insurance companies that are focused on minimizing their payouts. Unlike regular car accidents, truck accident claims often involve multiple parties, including the truck driver’s insurance, the trucking company’s insurer, and possibly third-party insurers. Understanding how to handle these interactions is crucial to protecting your rights and maximizing your compensation. Here’s what you need to know about dealing with insurance companies after a truck accident.
1. Be Cautious When Speaking To Insurance Adjusters
After a truck accident, you will likely receive a call from an insurance adjuster asking for details about the crash. While they may seem friendly and concerned about your well-being, their primary goal is to protect the company’s bottom line by reducing or denying your claim. Keep these tips in mind:
- Do not admit fault – Even if you think you may have contributed to the accident, never say anything that could be interpreted as accepting blame. Liability in truck accidents is complex and should be determined through an investigation.
- Stick to the facts – Provide basic information like your name, the date and location of the accident, and vehicle details. Avoid giving opinions or unnecessary details.
- Do not provide a recorded statement – Insurers may use your words against you later, so politely decline any request to record your statement.
2. Understand That Insurance Companies May Offer A Low Settlement
As our friends from Law Firm of Edward Blinder, PLLC can confirm, insurance companies often make a quick, low settlement offer to accident victims. While it may be tempting to accept, especially if you’re facing medical bills and lost wages, this initial offer is usually far below what you deserve. Before accepting any settlement:
- Consult with a truck accident lawyer – An attorney can evaluate whether the offer is fair and negotiate for a higher amount.
- Consider future expenses – Truck accidents often result in serious injuries that require long-term medical care. A low settlement may not cover all your future costs.
- Do not rush – You have the right to take time to assess your damages before agreeing to a settlement.
3. Let Your Lawyer Handle Negotiations
Insurance companies have experienced adjusters and attorneys working to protect their interests—you should have legal representation, too. A truck accident lawyer can:
- Investigate the accident and gather evidence
- Determine all liable parties (which may include the truck driver, trucking company, cargo loaders, or vehicle manufacturers)
- Handle all communication with the insurance company to prevent you from saying anything that could harm your case
- Negotiate for full compensation, including medical bills, lost wages, pain and suffering, and future damages
4. Be Aware Of Bad-Faith Insurance Tactics
Some insurers use unfair tactics to delay or deny valid claims. Signs of bad-faith practices include:
- Unreasonably delaying your claim
- Denying your claim without a valid reason
- Misrepresenting policy coverage
- Pressuring you into accepting a low settlement
If you suspect an insurer is acting in bad faith, your lawyer can take legal action to hold them accountable.
Dealing with insurance companies after a truck accident can be challenging, but you don’t have to do it alone. By being cautious when speaking to adjusters, avoiding quick settlements, and seeking legal representation, you can protect your rights and secure the compensation you deserve. If you’ve been in a truck accident, contact an experienced truck accident lawyer before speaking with insurers to ensure you receive fair treatment and maximum compensation.