When it comes to accidents that involve a car and a truck, 81% of the time, the driver of the car is responsible for causing the accident. However, if you are in the other 19%, you will want to seek compensation from the truck's insurance company.
This isn't something you should do on your own. For the best chance of recovery, you need to work with an experienced attorney.
Truck vs. car accidents are a lot more complicated than an accident that involves two cars. Keep reading to learn about all of the extra elements you need to think about when involved in an accident with a truck.
Trucks Follow Stricter Regulations
When it comes to following the rules of the road, truck drivers have a lot more regulations to follow. The DOT and Federal Motor Carrier Safety Administration govern trucks due to their tendency to conduct interstate travel for business.
Trucks must comply with regular checks to ensure they meet the standard of safety for the condition of the truck, the cargo on the truck, and how many hours they are in operation. If a driver or company does not comply, they can face some heavy sanctions.
There Is More Damage
It's no surprise that the bigger the object is, the more damage will occur in a collision. The average truck with a trailer full of cargo can weigh 80,000 pounds and more.
Now compare this to the average passenger vehicle that weighs 3,000 to 4,000 pounds. One of the biggest passenger trucks out there, the Ford F250 Super Duty Crew Cab only weighs 6,547.
It would take you stacking up 12 F250s to equal the weight of just one fully loaded truck.
When you think about the drastic difference in size, it is no surprise that there will be a lot more damage to the passenger vehicle.
There Are More Injuries
Unfortunately, your car isn't the only thing that will experience damage. It is safe to bet that you will suffer physical injuries.
When there is an accident, the physical injuries the passengers suffer escalate as the severity of the accident increases. Because of the massive size difference, even the most minor of accidents can result in extensive injuries.
Some of the most common injuries experienced are whiplash, neck, back, and head trauma. Broken bones are also a common occurrence.
Get Full Compensation for Injuries
This is where hiring an experienced attorney is so essential. They can work with you to ensure you ask for compensation for the full extent of your medical treatment and recovery.
Your attorney will make sure that you ask for compensation for the initial medical treatment, long term treatment, physical therapy, and any work missed.
Greater Chance of Death
It is a sad fact to face, but there is a great chance of death when trucks are involved in the accident. Each year accidents with large trucks cause 3,000 to 5,000 deaths.
If your loved one passed away as a result of an accident with a truck, then you need to speak with an experienced truck accident attorney. You can learn more here about how to find the right truck accident attorney.
Your attorney can help you make a claim for the property damage and loss of your loved one.
Bigger Insurance Policies
When it comes to the amount of insurance required, most people purchase the minimum amount for themselves. However, this minimum amount for trucks is significantly larger.
The positive side is those truck insurance policies are large enough to cover all of the property damage and injuries. These insurance policies can be worth millions of dollars. This is because they need to be able to cover any damage that occurs to the truck and any other vehicle.
There is a catch to having access to such a sizeable insurance policy. The insurance company will not simply hand over a large check. They will first try to save money by giving you a lowball offer.
If that doesn't work, they will prepare to fight tooth and nail to keep every dollar. This is when having a knowledgable team of attorneys is so important. They will know how to handle the insurance company and the tricks they play.
More in Depth Investigations of Truck vs. Car Accidents
Because there is more money on the line, the insurance company will conduct a much more in-depth investigation into the accident. Your attorney will also want to conduct their own investigation.
There there is the investigation by the federal safety commission. Since a truck is involved, they will want to ensure that the truck driver didn't do anything wrong.
It will be vital for your attorney to obtain GPS data, driving history, violation history, and safety violations. This will help establish liability on the truck company.
Another critical thing to ask for is the ECM data. This will give you a wealth of information about the functioning of the engine and transmission right before the accident.
Receive Compensation for Your Injuries
No one wants to be involved in an accident, but sometimes it happens, and you can't avoid it. It is important to know what to expect and what to do after you've been involved in an accident.
This is especially true for truck vs. car accidents. The best thing you can do if you're involved in one of these accidents is to speak with an experienced attorney.
Check out our blog to learn more about how to find the right attorney for you.