MySanAntonio.com recently posted a story reporting on a major truck accident that occurred in the southwest part of Bexar County. On January 26th, a sport utility vehicle collided with an eighteen wheeler, resulting on the SUV being dragged under the trailer of the truck for a considerable distance. The photographs from the crash scene are dramatic. The woman who was driving the SUV was taken to University Hospital with very serious injuries. We all wish her the best and hope that she can make a full recovery. This accident is typical of many commercial truck accidents. Frequently, the occupants of the smaller vehicle suffer the majority of the damage. If you, or a family member, has been hurt in a truck accident, a truck accident lawyer can tell you more about your legal options.
Commercial Trucks are Legally Required to Carry Large Insurance Policies
Federal trucking regulations, require that all commercial trucking operations carry a minimum of at least $750,000 in bodily injury liability per each vehicle on the road. The required amount of insurance coverage is even higher if the truck is particularly large or if the truck is transporting hazardous materials. There is also a provision known as the MCS-90 endorsement, which further seeks to ensure that trucks have enough insurance coverage to cover any damage to injured parties. Essentially, the MCS-90 endorsement provision prevents truck insurers from denying injury claims on the basis of minor technicalities. The trucking business is complex and heavily regulated, an experienced truck accident lawyer is critical in these cases.
Dealing with Truck Insurance Companies
It is comforting to know that eighteen wheelers are required to carry large and legitimate insurance policies. This ensures that there is an avenue for recourse for injured truck accident victims. But, an unfortunate side effect is that truck insurers are very aggressive and will try hard to limit their liability after an accident. It is important to know how to deal with insurance companies. The best thing you can do is remain silent. You are not legally required to give a written or a verbal statement to an opposing insurance company. Typically, you will contacted by someone at the insurance company who sounds comforting and friendly. This all part of their training. The insurance company is not on your side and they are looking to get as much information as possible .They are hoping that you will unknowingly say something that they can use against you to damage your claim. Do not give a verbal statement, written statement or release any of your medical records without consulting an experienced truck accident attorney.
Call a San Antonio Truck Accident Lawyer
The average fully loaded commercial truck weights 19 times more than the average car. Due to this difference in size, accidents involving trucks all too often have devastating consequences. Trucks are inherently dangerous, and the trucking companies have an obligation to take extensive precautions to reduce the risks caused by trucks. The failure to take proper precautions is negligence. Victims of truck negligence deserve fair compensation. But, insurance companies will try to stand in the way. An experienced attorney can help. If you have been involved in a Texas truck accident, contact the Law Offices of Ronald A. Ramos today.