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truck accident in Philadelphia

Navigating Truck Accident Insurance

With truck driving being the eighth most dangerous job in America (see the results here), resulting in 11 fatal accidents per day and 4,000 deaths per year, it’s important for all drivers on the road to exercise extreme caution when in the vicinity of a semi-truck. In the state of Pennsylvania, roughly 180,000 motor vehicle accidents occur each year,of those 54.3 percent  involve a truck. Truck accidents are a tremendous danger to all motorists on the road, in part due to faulty maintenance of the trucks, and in part due to negligence on behalf of drivers. In fact, the majority of truck-related accidents are determined to be on account of driver negligence, which is often the product of drivers being overworked and under-slept. In the event you find yourself in an accident with a truck, here are some tips to help you navigate truck drivers insurance to help ensure you are getting the money and help you deserve from the accident.

What to Do When the Accident Occurstruck accident in Philadelphia

In order to ensure that you are getting the most from the driver’s insurance provider, you need to be able to definitively prove fault at the time of the accident. By following these guidelines, you can determine who or what caused the accident to occur, and ensure the highest settlement in exchange.

  • Call the police. This should be the first step in any accident, as the police will launch a deeper investigation to determine the contributing factors of the accident.
  • Seek medical attention immediately. A doctor will need to survey the nature of your injuries in order to report the extent of these injuries to the driver’s insurance provider. By failing to seek medical attention, you can’t prove that any injuries actually occurred, and the longer you wait to seek help, the flimsier your case will be.
  • Take pictures. Most insurance companies will require photographs documenting the accident as it occurred. Be sure to be as thorough as possible in your documentation.
  • Request the truck be examined. In order to maximize your payout from the insurance provider, proving that the truck was poorly maintained can be invaluable to your case.
  • Request the driver be examined. Obviously, in incidents involving intoxication or reckless driving, proving fault is easy. However, in the event there are no witnesses involved, or intoxication wasn’t a factor, you will need other evidence to prove negligence. By making sure the driver is fully checked by a medical professional, it can be shown whether sleep deprivation or other factors contributed to the accident.

If you want to know what to do if you are involved in a truck accident with an uninsured driver, go here.

Navigating the Claims Process

At the time that the accident occurs, the first person to contact is the insurance adjuster. They will arrive on the scene and assist in the collection of evidence to make sure that there are no loose ends in the case. Once they have acquired all of the necessary evidence to provide legitimate claims of fault, your next step is seeking a medical professional to provide legitimacy to the nature and extent of your injuries. In order to ensure success with your case, it’s highly recommended you seek out a qualified truck accident lawyer in Pennsylvania. They will be able to provide the guidance and authority needed to help you win your case and get the money you deserve for your injuries.

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