Injured in an Accident With a Commercial Car? 5 Factors That Will Affect Your Claim

Auto accidents and the process of dealing with the consequences are always going to be hectic events, but getting into a collision with a commercial vehicle will be more stressful than other accidents. In fact, most drivers don’t realize how much more stress this can add. 

Here is a quick glimpse of five important factors that could affect your claim after an accident with a commercial car.

What Type of Coverage the Driver Has

Some drivers might be surprised to hear that insurance for commercial vehicles is much different than private insurance. A company will likely have robust insurance for their commercial vehicles in order to protect their assets, and that type of coverage is going to have a huge impact on your claim and what type of compensation that you receive.

The Extent of the Injuries

As a general rule, you should immediately begin looking at attorneys if your accident resulted in any type of injuries. An injury is going to make your claim much more complex, and you need to be sure that you get fair compensation for your medical bills and suffering. 

For severe or life-altering injuries, the claim might escalate into a legal battle that is brought before a judge.

The Extent of the Damage

Most insurance policies have a cap on how much they are going to pay out for damage to physical property. That being said, some states will allow you to sue the other party if the insurance policy doesn’t fully cover all of the damage. Those situations often occur when a company only has the bare minimum coverage for its fleet.

Determining Who Was at Fault

One of the most important variables in this equation will be who caused the accident. That being said, every state has slightly different rules regarding which parties are going to be at fault, and that is why you need to work with an experienced attorney. 

In some municipalities, you will be responsible for part of the compensation if you were partially responsible for the accident itself.

Legal Representation

Most businesses want to get through these scenarios as quickly as possible, and that is why they will sometimes offer an immediate settlement if you sign paperwork saying that you won’t sue. Unfortunately, those settlements aren't always fair. 

Most experts agree that car accident victims should speak with a legal professional before accepting any money. Commercial vehicle wreck attorneys will help you determine if the settlement is fair, or if you should sue for injuries and damages. 

They’ll also be able to help guide you through each process, depending on what you decide.

Following an accident, your health should always be your primary concern. If you feel like you might have any type of injury, then you must immediately head to the hospital for a comprehensive medical checkup.

5 Most Common Insurance Claims

Want to know the most important insurance claims? If yes, then read the following article, as it is going to ease you in the best possible way. After all, by reading the following article, you are going to know the most common claims. Thereby, you are able to know the importance of certain claims. Thus they are going to ease us like never before as well. 

Following is the list of the 5 most common insurance claims 

Pet Insurance

This is the insurance which gets lots of claim and it has been further authenticated by the recent study as well. Out of ten people who have the pet insurance policy, four made a claim. The reason for their claim stands out to be the illness of the pet, accident or injury.

Wedding Insurance

Increasing numbers of wedding insurance claims occur due to lost deposits. It usually occurs if the hotel closes down or the catering fails to show up or the photographers are nowhere in the party. Hence, each and every single thing is covered under the policy.

Home Insurance

It is also on the list owing to its importance and utility. It usually occurs due to the water damage, fire or theft. While the claim for water damage is the highest since it covers whopping 69% of claims, due to faulty plumbing activity which results in accumulation of water or creating other unforeseen problems. 

Auto Insurance

Although, there are various reasons which are responsible for the claim against the auto insurance, yet the most important and common one stands out to be fender benders. There are minor accidents which occur near the parking lots or at the stoop signs. Although, the damage is indeed quite minimal, but the best thing is that you are able to know about the detailed policy and whether they are able to impart to what has been promised before or not. 

Cell Phones

If you thought, you cannot protect your phone with a specific policy, better think again. There is a policy for that. The need for the same arose mainly due to the fact that with the advancement of technology, there has been a boom of gadgets. The market has seen various expensive cell phones. Therefore, it equally necessitates the importance of insurance. There has been a high claim rate against the damage. Interesting news also did the rounds where the claim for ownership was made just within the initial four months of possessing the cell phone.

Finally, aforesaid are the 5 Most Common Insurance Claims. It is imperative for you to be on your toes towards gearing up for any sort of eventuality. After all, it is advisable to be prepared for the worst, than to repent later on forever. The article is indeed going to ease you in preparing for some of the unforeseen situations, as now you will have complete knowledge as well. Since, you never know that you might have to make a claim yourself as well. Isn’t it?