After an accident, there are many options available to you to claim compensation for your losses. Sometimes, you may have to file a lawsuit in civil court to claim the full damages you are entitled to. In the vast majority of cases though, accident victims are able to negotiate a fair settlement with the insurance company that provides coverage to the truck driver or trucking company. Doing this is never easy. A Fort Lauderdale truck accident insurance lawyer can negotiate on your behalf and help you claim the fair settlement you need.
Our Fort Lauderdale Truck Accident Insurance Lawyer Understands Policy Limits
Under Florida’s no-fault auto insurance laws, you will likely have to try and claim compensation from your own insurance company first. The minimum amount of personal injury protection (PIP) coverage drivers are required to carry in the state is only $10,000, and most motorists do not purchase more than this. An accident with a commercial truck though, will result in much greater losses than this amount. As a result, you will likely have to also file a claim with the truck driver’s insurance company, or with the insurer that covers the trucking company.
Truck drivers and trucking companies are also required to carry minimum amounts of auto insurance. Due to the serious nature of the injuries caused by commercial vehicles, the minimum policy limits for truckers and the companies they work for is much greater than those for drivers of passenger vehicles. As a result, by filing this type of claim, accident victims can recover the full amount of compensation they need.
Our Fort Lauderdale Truck Accident Insurance Lawyer will Overcome the Challenges of These Claims
The insurance companies that represent truckers and trucking companies are much more concerned with their own profits than they are with your own safety and well-being. Additionally, there are other challenges you will face when filing these claims. These include:
- Multiple insurers: It is not uncommon for multiple parties to be at fault for a truck accident and when that is the case, you will have to deal with multiple insurance companies including those that cover the trucker and the company they work for.
- Disappearing evidence: Insurance companies will send an adjuster out to the accident scene in the hours following the crash. While they are conducting their investigation, they will also erase evidence that shows the trucker or trucking company was at fault.
- Low settlement offers: Insurance companies will almost always offer a settlement that is far too low to fully cover the cost of your injuries and other losses. If you accept, you cannot go back in the future to claim further damages.
A lawyer will know how to overcome the challenges presented by the insurance company so you recover the fair settlement you are entitled to.
Our Truck Accident Insurance Lawyer in Fort Lauderdale Will Review Your Case for Free
Do not deal with any insurance company on your own. At Rosen Injury Law, P.A., our Fort Lauderdale truck accident insurance lawyer can help you file your claim so you receive full compensation. Call us today at 954-787-1500 or contact us online to schedule a free consultation.