Commercial truck drivers in the United States are required by law to carryTruck Insurance coverage. Accidents can be caused by a variety of factors either due to the fault of the truck driver or another driver.
The large size of commercial trucks makes it difficult for the driver to see other vehicles on the side and rear of them, increasing the risk of an accident. Damages and injuries resulting from an accident in which a big rig is involved are greater than normal. These factors are just part of the reason why truck drivers need to have higher coverage on their insurance policies.
Trucks weighing over 10,000 pounds are required to be insured with at least $750,000 of liability coverage. This minimum is increased to $1,000,000 if hazardous cargo is being transported. $5,000,000 of coverage is required for trucks that have portable tanks or carry over 3,500 gallons of cargo.
High insurance rates are required because of the high amount of damage that occurs if a commercial truck is involved in an accident as compared to an accident with regular sized vehicles. To protect them and to ensure smooth processing of their claim, drivers should understand the steps taken to report a claim.
Reporting an accident to the insurance provider is one of the first steps that will need to be taken. If injuries were involved contact an attorney if the provider records phone call conversations made to them. Drivers should make sure to keep their own records of any conversation as well.
Drivers need to gather the details of an accident by taking pictures of the scene and vehicles. They should also collect the names, phone numbers, andinsurance information of the other individuals involved in the accident.
Bills associated with any repair work or medical expenses should be kept. Being up front with the insurance investigators is necessary to help keep the claim from being denied. Investigators should be the ones to determine liability and drivers should not admit any fault.