Insurance claims and motor vehicle collisions go hand-in-hand for most people. The average adult has spent years paying for liability coverage, so they expect a straightforward insurance claim process if they ever get hurt in a wreck.
Especially when the other vehicle is a massive semi-truck, the people in the smaller vehicle could suffer catastrophic injuries that require thousands of dollars in medical care and may force them to cease working. People in smaller vehicles naturally assume that insurance will take care of them.
Unfortunately for those recovering from a recent commercial vehicle collision, the insurance claims after such wrecks are far from a simple and friendly process.
More coverage means more pressure
Unless the vehicle in question weighs less than 10,001 pounds, strict insurance rules set by the Federal Motor Carrier Safety Administration (FMCSA) will require at least $750,000 worth of insurance. Vehicles transporting more dangerous materials may have to carry several million dollars worth of liability coverage.
In theory, a larger policy would mean more protection for you after you get hurt, but it also means more conflict with the insurance company. When adjusters could lose hundreds of thousands or millions of dollars in a single claim, they may be more aggressive in the tactics that they employ to mitigate those expenses.
From trying to trick you into admitting partial fault for the crash to stonewalling you by not responding to calls or emails, the insurance adjuster may do their best to trick you into accepting far less than what you deserve. Bringing in professional help will make it easier for you to negotiate a large claim after a commercial truck collision.