Semi-truck collisions can occur due to driver errors, issues with either vehicle or even inclement weather. In many cases, the commercial driver or their employer may be technically be at fault for the crash.
Improper driving practices, inadequate maintenance and even driver fatigue could contribute to the risk of a wreck with a semi-truck. Larger vehicles can cause more substantial damage than smaller vehicles. The increased risk of serious property damage and major injuries can leave people worrying about their finances after a collision.
Who usually covers the costs of a commercial truck crash?
Insurance may pay
In cases where negligence or traffic errors on the part of a commercial driver caused to crash, a commercial insurance policy may apply. So long as the police report places blame on the commercial vehicle or its operator, the people affected by the crash may have access to a large commercial insurance policy. These policies generally include at least $750,000 of coverage or more.
The driver or the company could be liable
In some cases, the losses caused by a commercial crash are so extensive that even a large insurance policy proves insufficient. When people sustain catastrophic injuries or someone dies because of a crash, a lawsuit might be necessary to fully recoup all losses. In some cases, the driver may be directly liable for the crash they caused. Other times, their employer may be financially responsible. A lawsuit against the liable party can lead to more complete compensation than an insurance claim.
Assessing the details of a commercial truck crash with a lawyer can help injured people and surviving family members determine what options they have available to them. Depending on the circumstances, a complicated insurance claim or a lawsuit could help people cover their losses.