If you’ve been injured in a crash involving a commercial truck in or around Austin, Texas, it’s important to understand that these cases are often more complicated than typical car accidents. Commercial trucking accidents usually involve severe injuries, multiple insurance policies, and state and federal regulations that add complexity to your claim.
At The Stewart Law Firm, PLLC, our Austin truck accident attorneys understand how overwhelming it can be to deal with powerful insurance companies while trying to recover from an injury. We’re here to help you navigate the legal process and fight for the compensation you deserve.
Understanding the Insurance Challenges in Truck Accident Claims
When you’re filing a personal injury claim after a commercial truck accident, you’re likely to face serious challenges from insurance providers. These companies often prioritize their bottom line and will use a range of strategies to reduce your payout.
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Trucking Companies Must Follow State and Federal Safety Regulations
Commercial truck companies are required to follow strict state and federal safety guidelines.
These rules, set by agencies like the Federal Motor Carrier Safety Administration (FMCSA) and the Texas Department of Transportation, govern:
– How long drivers are allowed to operate their vehicles before taking mandatory rest breaks
– How much weight a truck can carry
– Required maintenance schedules
– Safe driving practices
If a truck driver or company violated any of these rules, it could establish fault in your case. However, understanding these regulations and proving a violation occurred can be challenging, especially when insurance companies try to downplay or deny your claim.
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Multiple Insurance Policies May Apply
You might be surprised to learn that more than one insurance company may be involved in a commercial truck accident claim.
For example:
– The truck driver may have a personal policy.
– The trucking company may carry its own insurance.
– If the truck was leased, a third party may also be involved.
Each of these companies may try to pass the blame to another, delaying your case and making it harder to get the compensation you need. Some policies may even come from out-of-state providers, which can further complicate matters if their coverage doesn’t meet Texas standards.
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Insurance Companies Often Push for Quick, Low Settlements
Because these cases can cost insurers a lot of money, they often try to settle quickly. It’s not uncommon for adjusters to offer a fast payout that may seem generous at first, but it’s usually far less than what you’re truly entitled to.
If you accept an early settlement, you may be signing away your right to recover additional damages in the future. That includes coverage for long-term medical care, lost earning potential, or other complications that arise after the settlement.
Get Help From an Austin Truck Accident Attorney
If you’ve been injured in a commercial truck crash in Austin or elsewhere in Texas, it’s in your best interest to speak with an experienced attorney before dealing with the insurance companies on your own.
At The Stewart Law Firm, PLLC, we’re committed to holding negligent trucking companies and insurers accountable. We’ll fight for fair compensation so you can focus on healing.
Call us today or fill out our contact form to schedule a free consultation. Let us help you take the next step toward recovery.
