After a car accident, it’s typical to involve insurance companies. When you get hurt in an accident involving a commercial vehicle, such as a delivery truck, bus, or work van, it’s no different, except for the fact that it can become vastly more complicated. The reason for this is that corporate insurance companies have higher policy limits, as well as corporate liability and additional legal protections.
What Is Commercial Vehicle Insurance?
Commercial vehicle insurance is coverage designed for vehicles used by businesses and for business purposes. This can include delivery trucks, utility vans, semi-trucks, company cars, and even rideshare vehicles in certain situations. Businesses are legally required to carry commercial insurance to protect themselves and you when one of their drivers is involved in an accident.
Key Differences Between Commercial and Personal Auto Insurance
One of the most significant differences between commercial and personal auto insurance is the policy limits. Commercial policies often carry much higher limits, often exceeding $1 million in liability coverage. That is good news for seriously injured victims, as it can help cover serious medical bills and long-term losses like lost wages.
Another difference is that commercial policies typically cover more than one party. They will cover the company, the employee driving the vehicle, the vehicle owner, and any third-party service providers. They can also include coverage for cargo, vehicle rentals, and third-party property damage.
How It Affects Your Lawsuit
If you’ve gotten hurt in an accident with a commercial vehicle, you’re not just dealing with the driver – you’re also fighting against the company, their insurance carrier, the legal team, and their investigators. They all have one common goal: minimizing your payout and protecting their bottom line.
An experienced injury lawyer can help you preserve evidence, identify negligent parties, and protect your rights. If you don’t have experienced representation, you could be pressured or tricked into accepting a low settlement that doesn’t amount to what your case is worth.
Common Challenges Victims Face
When you have to deal with a commercial insurance company, you’re often facing:
- Delayed or denied claims
- Lowball settlement offers
- Pressure to settle quickly
- Difficulty accessing critical evidence
These insurance companies have resources, and they won’t use them to protect you. All of their resources will try to help them save as much money as possible, regardless of your injuries, pain, and suffering.
Why Legal Representation Matters
You need a thorough investigation if you’ve been in a commercial vehicle accident. This includes obtaining driving records, company policies, GPS data, black box data, and more. At Jaroslawicz & Jaros, PLLC, we have attorneys who are experienced in serious personal injury claims and know how to conduct an investigation. Whether you were hit by a delivery van, hurt on mass transit, or involved in a construction-related collision, our team knows how to fight large corporations and insurance carriers. Contact us today for a free consultation.
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