Insurance Claims After An 18-Wheeler Accident
A trucking accident is more dangerous and traumatic than your run-of-the-mill car accident. Fortunately, your Roseville, MN 18-wheeler accident lawyer can help you find a way forward and manage your insurance claim. At Johnston | Martineau PLLP, we are here to guide you through the complexities and ensure you get the compensation you deserve.
Immediate Actions To Take
The first steps you take after an 18-wheeler accident are crucial for your insurance claim. Here’s what you should do:
Ensure Safety and Seek Medical Attention: Your health is the priority. Get medical help immediately, even if injuries seem minor. Some symptoms might not appear right away but can be serious.
Report the Accident: Contact the police and report the accident. A police report will be a vital piece of evidence for your insurance claim.
Gather Evidence: If you are able, document the scene. Take photos of the vehicles, the accident scene, any visible injuries, and road conditions. Collect contact information from witnesses and other involved parties.
Notify Your Insurance Company: Inform your insurer about the accident as soon as possible. Provide them with all the details you have gathered.
Understanding Insurance Policies
Insurance policies for 18-wheelers are often more complex than those for standard vehicles. Commercial trucking companies typically carry higher insurance limits due to the potential for greater damage and injuries. However, this also means that the claims process can be more complicated.
Filing Your Claim
When filing your insurance claim, it’s essential to be thorough and accurate. Here’s a step-by-step guide:
Contact Your Insurer: As soon as you can, inform your insurance company about the accident. Provide them with all necessary information, including the police report, photos, and witness statements.
Complete Necessary Forms: Your insurer will provide you with forms to fill out. Ensure that all information is accurate and complete.
Keep Records: Maintain detailed records of all communications with your insurance company, including phone calls, emails, and letters. Document all expenses related to the accident, such as medical bills, vehicle repairs, and any other out-of-pocket costs.
Dealing With Adjusters
Insurance adjusters are responsible for evaluating the damage and determining the compensation you should receive. Here are some tips for dealing with adjusters:
Be Honest: Always provide truthful and accurate information. Misleading your adjuster can harm your claim.
Stay Consistent: Ensure that your statements are consistent with the evidence and documentation you have provided.
Don’t Settle Immediately: Avoid accepting the first settlement offer. Initial offers are often lower than what you may be entitled to. It’s important to understand the full extent of your damages and losses before agreeing to a settlement.
Moving Forward With Confidence
An 18-wheeler accident can have long-lasting impacts on your life. Ensuring that your insurance claim is handled correctly is a crucial step in your recovery process. By following the steps outlined above and seeking professional support, you can move forward with confidence.
If you or a loved one has been involved in an 18-wheeler accident, don’t hesitate to reach out to us at Johnston | Martineau PLLP. Contact us today to schedule a consultation and let us help you secure the compensation and justice you deserve.
