Accidents involving large commercial vehicles in Indiana can be terrifying and damaging. The victims often suffer severe injuries, and as a result, their insurance claims tend to be larger. However, getting the insurance company to honor the full value of those claims can be a considerable challenge. The process of pursuing financial justice can be confusing and may seem impossible. That is why, following these accidents, truck accident victims often reach out to an experienced Indiana trucking accident attorney to fight for the justice they deserve.
Understanding Insurance Companies and Personal Injury Claims
In personal injury claims, insurance companies are generally responsible for handling and compensating for any losses or damages that may have occurred. Additionally, the claims adjusters are responsible for inspecting personal injury claims and determining the amount the insurance company should pay for the loss.
What To Expect From a Trucking Company’s Insurer
It is critical to understand that the relationship between a trucking company and its insurer is based on mutual benefit. It is equally vital to realize that the insurance company’s goal is to minimize the cost of truck accident insurance claims.
The trucking company pays a premium for coverage, and in return, the insurance company assumes the financial risk of incidents such as crashes or lost cargo. As a result, if you are involved in an accident with a truck, the insurance company’s priority is to maximize the trucking company’s benefit, not ensure you receive the compensation you need to cover your losses.
Dealing With the Insurance Company After an Indiana Trucking Accident
If you have been in a trucking accident in Indiana, it is probable that the claims adjuster from the truck driver’s insurance company will contact you. However, it is important to know that you are not obligated to talk to this adjuster. In fact, if you plan to make a legal claim after the accident, engaging with them may hurt your claim. Instead, consider speaking with an experienced trucking accident attorney who can deal with the insurance companies on your behalf and ensure that you are treated fairly. However, if you decide to speak with the claims adjuster on your own, consider the key points.
Stay Calm
Even though it might be difficult, staying calm and polite during this conversation is in your best interest. You do not want to give the claims adjuster any reason to reject or delay your claim.
Only Speak About the Basics
Generally, following a trucking accident, the claim adjuster will ask for a statement about what happened. However, when answering this question, stick to the facts: when the accident occurred, where it happened, and what vehicles were involved. This also means, do not discuss the cause of the accident or any other details. The claims adjuster’s role is to uncover details and information that may limit your recovery. That is why, following an accident, you want to avoid providing them with extensive information about your injuries, work history, medical history, or anything else that could be used against you.
Do Not Accept the First Offer
If the claims adjuster makes an offer following a trucking accident, it is important that you do not immediately accept it. Initial offers are usually low. Once you accept them, you cannot ask for more. For these reasons, before accepting any offer from the insurance company, consider consulting with a skilled trucking accident attorney.
Contact Kaushal Law Today To Learn More About Your Options
If you or a loved one were injured in an Indiana trucking accident, do not take on this challenging ordeal alone. Contact Kaushal Law today to speak with an experienced truck accident attorney about your legal options and the financial remedies you may be able to pursue.
