Truck accident insurance is a very important part of your trucking career. It protects you from being sued for any damage to another person or property caused by your trucking activities, and it helps prevent claims against you in the event that something goes wrong on the road. But there are some things you should know about how this type of insurance works so that you can make sure that things go smoothly and don’t get complicated as they could if not handled properly by both parties involved in an accident.
Insurance companies are not your friend
Insurance companies make money by getting you to pay for their policies, and they don’t care if you get hurt or injured in the process. They will do everything they can to avoid paying out on claims, including getting you to reveal things that aren’t even true (like being drunk at the time of an accident)
Insurance adjuster awareness regarding certain things
The insurance adjuster is trained to get information out of you. They know what to ask and how to ask it, they know what they are looking for in the first place, and they know how to find it.
Insurance adjusters are often very good at understanding the language and intent behind your words (or lack thereof). They also have access to resources like police reports that can help them understand what happened before an accident occurred—and even after one occurs!
Making you disclose things you don’t know about
Insurance adjuster will ask questions that will make you reveal things you don’t even know to disclose. They know what they’re doing and how to get it done. If you don’t want them to ask certain questions, then tell them!
Working “within settlement authority”
You should also know that the insurance adjuster is working “within their settlement authority”. This means that they can only offer you a certain amount of money for your claim. The insurance company has a set amount that they will pay out for each claim, which is why it’s so important to get a good estimate from an experienced lawyer before making any decisions about how much money you want or need.
Delaying the claim
Some insurers will purposely delay the claims process to wear you down or frustrate you into accepting a low settlement offer. They may also make your claim more complicated than it needs to be, just so that they can tell you about all their resources and options for resolving the matter. The best way to avoid these tactics is by having an attorney on board from day one of your claim.
Be aware what you’re entitled to
You are entitled to a reasonable settlement. If the insurer denies your claim, they must pay up or explain why they can’t do so. A personal injury lawyer in Red Deer will help you determine whether this is reasonable based on the facts of your case and whether they should be able to deny it at all.
A truck accident can be a traumatic experience for anyone involved, but it is important that you know your rights and fight back if necessary. If you or someone you love has been injured in a truck accident, contact and schedule an appointment with one of experienced personal injury lawyers.