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Truck insurance policy limits correlate with the danger they pose

If you have any doubts about how truck accidents compare to automobile ones, then all you have to do is to ask a first responder about the difference between the two. They'll likely tell you that crashes where a truck collides with a passenger vehicle are particularly catastrophic. Victims who survive them often endure long recovery times while others die. Fortunately, compensation is available no matter what the outcome.

Truck drivers and their employers are bound to abide by certain standards of care and laws instituted by the Department of Transportation (DOT) and the Federal Motor Safety Administration (FMSA). They're in place to make driving alongside them safer.

The regulations that they must adhere to specify the type of training a trucker must undergo before qualifying for a commercial driver's license (CDL), how they should maintain their truck and how long they can drive without resting.

If truckers or carriers violate these regulations, then they risk putting their licenses or permits in jeopardy and being assessed fines. If their negligence results in a crash, then they risk being sued civilly by the injured party or a deceased person's loved ones.

Tractor-trailer companies are required to carry liability insurance policies that can offer up to 50 times the coverage that an average automobile policy covers. This means that an average truck riding down the street has liability coverage at or above $1 million.

One of the reasons that they're required to carry such large policies is because 18-wheelers are so much bigger than automobiles. Insurance companies know that motorists are more apt to suffer serious injuries if they're involved in a crash with a truck. They realize that a victim's medical care can be costly.

While many people think that an insurer will admit negligence and readily fork out the money to cover your property damage or medical bills without pushing back, this is far from the case. They often deny liability whenever they can to keep their costs low. This is why it's important that you have an experienced attorney on your side to help you in sorting out complex insurance issues for the best possible end result.

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Law Offices of Wesley M. Malowitz

Law Offices of Wesley Malowitz
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Stamford, CT 06905

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