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Multiple Insurance Companies and Big Rig Crashes


When it comes to Florida accidents involving 18-wheeler trucks, there are often a lot of complexities. Not only are these incidents often incredibly harmful and involve incredibly high settlement amounts, but they also typically involve multiple insurance companies.

If you want to learn more about what type of accident is defined as a big rig collision and why multiple insurance companies are involved in these types of collisions, bring your questions to a Delray Beach personal injury attorney.

Understanding 18-Wheeler Trucks

An 18-wheeler truck, also known as a semi-truck, tractor-trailer, or big rig, is a large commercial vehicle consisting of a semi-tractor (the front part) and a trailer (the back part). These trucks are sometimes referred to as 18-wheelers because of the number of wheels found on these trucks.

Big rigs are huge, heavy vehicles. The sheer size and weight of 18-wheelers make them dangerous. For example, when an 18-wheeler is loaded it can weigh up to 80,000 pounds, significantly more than the average passenger car.

Liability determination can be thorny after a commercial truck crash, so proving responsibility can be challenging. In many situations, multiple parties can be held responsible, including the truck driver, the trucking company, the manufacturer of the truck or its components, and even third parties. This leads to a lot of individuals and insurance companies being involved in settlement negotiations.

Some insurance companies that could be involved before a settlement can be reached:

  • Trucking company insurance. The company who owns the truck typically carries insurance coverage to protect itself and its assets, including coverage for liability in accidents caused by the company’s drivers or employees.
  • Driver’s insurance. In some situations, the driver of the truck has their own insurance policy that provides additional coverage.
  • Cargo owners insurance. If there is proof improper loading, securing, or handling of cargo contributed to the accident, the owner of the cargo may have insurance coverage that could contribute to the compensation available.
  • Manufacturer’s insurance. When a defect in the truck leads to a collision, the manufacturer of the truck or defective truck parts may have insurance coverage to address any resulting claims.

Each insurance company has its own interests and priorities, and coordination between them requires expertise in dealing with insurance adjusters, knowledge of the applicable laws and regulations, and a strategic approach to building a strong case.

Additionally, the trucking industry is subject to numerous federal regulations designed to ensure safety on the roads and compliance with these regulations is essential. When there is proof of violations, liability can be affected. Understanding and navigating these regulations adds another layer of complexity to commercial truck accident cases.

Talk to an Experienced Florida Injury Lawyer

A Delray Beach personal injury attorney can guide you through big rig accident complexities and will advocate for you throughout the process.

Have multiple insurance representatives been contacting you? Discuss your situation with the lawyers at Earnhart Law in Delray Beach to have over 30 years of experience on your side. Call 561-265-2220 or contact us online.

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