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Being in a commercial truck accident can be overwhelming. Injuries, property damage, and medical bills can pile up quickly, and figuring out who is responsible is often confusing. Truck accidents are usually more complicated than car accidents because multiple insurance policies and parties may be involved. That’s why having an experienced truck accident lawyer on your side can make a big difference in getting the compensation you deserve.
Why Commercial Truck Accidents Are More Complicated
Truck accidents aren’t like regular car accidents. Trucks are heavier, carry larger loads, and have different rules they must follow. Because of that, insurance claims are often unique to each case and can get complicated. There might be more than one insurance company involved, and federal and state regulations can affect how much compensation you can get. Talking to a truck accident lawyer early can help make sure you don’t miss anything important and that your claim is handled correctly.
Multiple Insurance Policies Could Be Involved
In a truck accident, more than one type of insurance might apply:
- The truck driver’s personal insurance, which is often limited
- The trucking company’s liability coverage, usually the main source of compensation
- Cargo or freight insurance, which can cover losses related to what the truck was carrying
- Third-party insurance from maintenance or leasing companies
A truck accident lawyer can help figure out all the policies that might apply so you get the compensation you need.
Federal and California Insurance Coverage Rules
Commercial trucks have to follow strict insurance rules:
- Federal FMCSA rules set minimum coverage depending on the truck’s weight and cargo
- California has additional requirements, including higher limits for certain types of cargo
Knowing these rules can help your lawyer push back if an insurer tries to underpay or deny your claim.
Common Insurance Disagreements
Insurance disputes happen a lot in truck accident cases. Some examples include:
- Companies denying responsibility
- Confusion over which policy pays first
- Coverage exclusions that leave you with less money
- Issues if the driver is an independent contractor instead of an employee
A truck accident lawyer can make sure these disputes don’t cost you the settlement you deserve.
When More Than the Driver Is Responsible
In many cases, the truck driver isn’t the only one who might be at fault. Trucking companies, freight brokers, shippers, manufacturers, or maintenance providers can also be responsible. A skilled truck accident lawyer will investigate everyone involved to make sure you can recover from all liable parties.
What Happens If Insurance Is Not Enough
Sometimes the insurance coverage isn’t enough to pay for all the damages. In those cases:
- Excess liability or umbrella policies may provide more coverage
- Your lawyer may find other responsible parties to hold accountable
Without help, many accident victims end up accepting settlements that are far too low.
How Insurance Companies Handle Claims
Insurance companies often act fast to protect their own interests. They may:
- Send investigators to the accident scene quickly
- Ask for recorded statements from you
- Try to settle quickly before liability is fully clear
Having a truck accident lawyer on your side helps make sure your rights are protected and that the insurance companies do not take advantage of you.
Why You Need a Truck Accident Lawyer
Dealing with a truck accident claim on your own can be stressful and confusing. A truck accident lawyer can guide you every step of the way. They make sure all insurance options are explored, evidence is preserved, and any violations of regulations are addressed. Your lawyer will handle negotiations with multiple insurers and, if needed, represent you in court. Having professional guidance increases your chances of getting the compensation you need to recover and move forward.
Steps to Take After a Truck Accident in Southern California
If you are involved in a truck accident:
- Get medical attention immediately
- Take photos and gather witness information
- Report the accident to authorities and your insurer
- Contact a truck accident lawyer as soon as possible
Acting quickly is important to preserve evidence and make sure your insurance claim is handled properly.
How Steinberg Injury Lawyers Can Help
At Steinberg Injury Lawyers, we’ve been helping injured victims in Southern California since 1982. We know how complicated truck accident claims can be, and we make it easier for you to focus on recovery. Our team helps clients get medical care, secure settlement advances, and handle multiple insurers. With our experience and proven results, we fight for the compensation you deserve. Contact a truck accident lawyer at Steinberg Injury Lawyers today for a free consultation and take the first step toward protecting your future.
