Dealing with Insurance in a Truck Accident Case

By Zane T. Cagle | March 5, 2021 | Truck Accidents

After a truck accident, you have a lot of challenges to face. The first thing on your mind immediately following the accident is likely your physical health and worrying about any injuries you or your loved one may have. In addition to the injuries you’ve suffered due to a truck accident, you’ll also need to deal with insurance companies to get the compensation you deserve for the damages you’ve faced. This can sometimes be one of the most challenging parts of being in a truck accident, and victims often get less than they deserve. We recommend that you do not engage with the auto insurance company on your own.

Do yourself a favor and do not talk with insurance adjusters about your injuries or health before you talk to an attorney.

Truck accidents often cause far more severe injuries than other motor vehicle accidents, and getting compensation for these accidents is crucial for victims and makes working with a truck accident lawyer in St. Louis, MO, necessary. If you or a loved one were recently injured in a truck accident, you need to be ready to deal with insurance companies to get what you deserve and find out how to get the right help. We suggest that you do not deal with the insurance carrier at all before you consult an expert truck accident attorney.

Insurance Companies Aren’t on Your Side

Insurance companies often don’t want to spend more than the minimum if they pay at all. Because of this, many truck accident victims don’t get the amount of compensation they deserve on their own. After your accident, you need to remember that the trucking company’s insurance company doesn’t work for you, and they often don’t have victims’ best interest at heart. Dealing with insurance companies can be difficult, which is important to know before going into the process. More importantly, it is the best reason that you should consult a truck accident attorney before engaging in any conversations with any insurance company.

There Could Be Multiple Insurance Companies

Many aspects of truck accidents make these accidents more complicated than other types of motor vehicle accidents. One area where truck accidents differ is that in some cases, there are multiple insurance companies involved. While a regular vehicle usually has just one insurance company, trucks often have multiple carriers making things a little more complicated. The driver may be insured, but it is often important to identify the actual transportation company that employs the driver and owns the truck. Truck accidents may also often involve multiple vehicles due to their size. This requires numerous insurance companies to get involved and is one more reason victims need help navigating dealing with them.

Truck Accidents Involve a Lot of Evidence

To prove who’s at fault for a trucking accident, there needs to be evidence. However, if the truck driver is at fault, this is something victims can’t easily access. The trucking company has essential information that you need to help receive compensation. If you’re on your own, it can be difficult to prove who was responsible, making it hard for you to receive the right amount of compensation. Hiring an attorney early will give our attorneys a quick start to secure evidence, whether it is the damaged truck or the event recorder. Truck accident attorneys often hire certified accident specialists to physically obtain the event recorder. Trying to accomplish this without an attorney is almost impossible on your own in the short window of opportunity.

You Need to Be Careful About What You Say

Speaking with insurance companies can be very complicated. Like we’ve said, insurance companies typically don’t want to give you more than the minimum. Likewise, commercial carriers generally have far more experienced adjusters and they may be attorneys with the goal of reducing the amount of your claim or denying it altogether. You might think you’re having a regular conversation with someone from the insurance company, but they could use what you say against you. Anyone speaking to insurance companies needs to be extremely careful with what they say, as the responses you give and your wording can affect the outcome. Some insurance companies may also ask certain questions to get specific responses, which is stressful and overwhelming.

Find a Truck Accident Lawyer Who Can Help

Going against insurance is extremely challenging, but you have a lot depending on the outcome. When you need financial compensation to get through the aftermath of a truck accident, you don’t want to take any chances. To get the compensation you deserve, you need a personal injury lawyer on your side who can take on insurance companies and fight for you. At The Cagle Law Firm, we know the appropriate steps in building your claim against an insurance company. We have the experience that you need to have the best chance at receiving compensation. We’ll help you through the challenges of dealing with insurance companies after your accident and ensure you’re getting the support you need.

The most important thing to know after a truck accident is that help is available for you. Get help dealing with insurance in a truck accident case today by calling The Cagle Law Firm toll-free at (1-800) 685-3302 or locally at (314) 276-1681.

About The Author

Zane T. Cagle

Zane T. Cagle is the founding president and lead trial attorney at The Cagle Law Firm. With a strong dedication to his clients, he has built a reputation for his tenacious representation in personal injury cases, ensuring each client's unique story is heard. Areas of Practice: Personal injury, motor vehicle accidents, wrongful death. Bar Admissions: Supreme Court of Missouri, Illinois & Kentucky. Superior Court of U.S. Virgin Islands Education: Washington University School of Law. Awards: Super Lawyers, Top 40 Under 40 by The National Trial Lawyers Association, 10 Best in Missouri for Customer Satisfaction.

View all posts by Zane T. Cagle →