How to Get On Top Of Your Accident Settlement Case After An Accident With An Eighteen-Wheeler

If you get into an accident with a truck, you must act swiftly and get in touch with an attorney right away. If you are gravely injured, ask a trusted friend or family to call a personal injury lawyer who can then send their team to the crash site to start their own investigation. 

We cannot emphasize enough the importance of receiving medical treatment right after the accident. Getting a lawyer on board is next on the list, as the lawyer will ensure you are compensated for everything, including lost wages and medical bills. 

How Does the Trucking Company React to Accidents?

At the time of the accident, the trucking company of the at-fault truck driver will instantly get to work and try to control the case and control the driver’s liability. The trucking company will get in touch with their insurance company while sending their rapid response team to the accident site. The team’s job is to document the accident, collect information, and gather witnesses with the intention of having to pay the least amount to you for compensation. 

Who is Most Likely Responsible?

When it comes to trucking accidents, the number one question is who is more likely to be held responsible. When it comes to responsibility, of course, the trucker is the primary person to be held responsible. But you cannot rule out the responsibility of the trucking company or the trucker’s employer. Some truckers are independent contractors, which means they work on their own.

However, even independent contractors lease their trucks from trucking companies, which is why, in truck accident cases, both the trucker and their trucking company are typically held responsible. So, there are two groups that are responsible: the trucker and the company. 

How Will the Insurance Adjuster Establish Liability?

The insurance adjuster needs to determine two things: 

• Your damages and injuries.
• Liability.  This aspect refers to who is at fault for the accident.

To determine liability, the insurance adjuster will assess the traffic crash report. The insurance adjuster will also try to speak to several potential witnesses about how the accident unfolded. They will also speak with you, the truck driver, and any other witnesses. 

Speaking of witnesses, you must know that in the case of trucking accidents, evidence can disappear very quickly, which is why any delay can lead to a lower settlement or no settlement at all. 

To establish liability, the insurance adjuster from the trucker’s insurance company will take your recorded statement. It is important to mention here that you should abstain from giving a recorded statement. You have the right to refuse because you don’t have a contract with them. 

Remember: You Are Not Obligated to Give A Recorded Statement

Also, you should know that the one trick that the insurance adjusters often use is that they will tell you that they cannot pay for the car damage unless they receive your recorded statement. On that note, the best thing you can do is to let your lawyer deal with the insurance adjusters. So, don’t delay getting in touch with the best lawyers, such as the injury lawyers at Bianca | Matkins, right after the accident and before talking to the at-fault driver’s insurance company. 

You are under no obligation to give them your recorded statement, and if they claim that it is mandatory if you want to receive damages, then you already know that this statement of theirs is as wrong as a couth compass pointing to the North Pole. 

Why Not Trust Insurance Adjusters?

The insurance adjuster will do anything to mitigate the amount they have to pay to you, which is why they will then assign a certain percentage of fault or liability to the people who are involved in the crash. The insurance adjusters can assign anywhere from zero to one hundred percent fault to the people involved in the accident.

Remember: You Do Not Have to Sign Away Medical Authorization

After asking for a recorded statement and assigning liability percentages, the next thing the insurance adjusters will do is ask for all of your medical bills and records. Moreover, they will also ask you to sign a medical authorization so that they can access your medical records. 

Again, you must know that you are not legally required to sign the document, which is all about medical authorization. 

Understanding the Reserve of Insurance Companies to Pay for A Claim

Afterward, the insurance company will set a reserve to pay your personal injury claim. According to law, the insurance company is required to set aside money in an account to pay your claim. The amount that is set aside can be anywhere from zero dollars to a huge amount – if you have sustained big injuries. Along the way, if the insurance adjusters get more information, they can either raise or decrease their settlement reserve. 

With the help of a lawyer, you can work on the goal of getting the insurance company to increase the settlement reserve as much and as quickly as possible. 

How Will Your Personal Injury Lawyer Help You Receive Maximum Settlement

To get the maximum settlement amount for compensation, you and your lawyer will collect and send them any medical records and bills that reflect the extent of your injuries. You will also want to let the insurance company inspect the damage to the vehicle that you were driving at the time of the accident. 

It is important to mention here that insurance companies take their time to increase their settlement reserve. On that note, if you delay providing the insurance company with the medical records and bills, it can essentially delay your settlement. Truck insurance companies are big industries, which means that the insurance adjuster working on your case, most likely, needs authorization from their supervisors to pay you. 

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If you have sustained a serious injury, such as trauma to the head or head injury – your claim is more likely to travel up the chain of the insurance company’s hierarchy to get multiple levels of approval.