If you’ve been in an accident with a large, commercial truck, you should not simply rely on your insurance company to properly represent your needs. You will need a lawyer well-versed in the mechanics of commercial auto insurance.
If the accident is not your fault, your car insurance company won’t really get involved. While your insurance policy might have a few components to deal with accidents that are not your fault, the majority of your insurance policy is only meant to deal with accidents that you cause. Therefore, if an irresponsible truck driver hits you, your insurance company is likely to pass you off to the insurance company covering the truck.
Commercial truck coverage is expensive because it typically starts at $1,000,000 of coverage. Trucks can do a lot of damage because they are so big and heavy. Therefore, if a truck hits you, there is plenty of money through the insurance policy to cover damages, medical bills, and lost wages.
Unfortunately, insurance is one of the bills least likely to get paid by a company going through financial troubles. So there is always the chance the truck has no coverage. If the truck that hit you has no insurance, you have two options.
Your first option is to use your own insurance policy to cover the damages. Personal auto insurance is confusing, and most consumers (like you) don’t totally understand what is covered. If you’ve cut costs, you’ve probably cut the uninsured driver liability coverage. And you may never have had uninsured driver damage coverage. (The first covers your medical bills. The second covers damage to your car.) If an uninsured truck hits you, you may have no coverage.
Your second option is to sue the company that owns the truck.
If a truck has hit you, you need a lawyer. Whose fault is it? Does the truck have insurance? Do I have insurance that covers it? Who is the company that owns the truck?
All of these questions are difficult for you to answer, but easy for your lawyer to answer. In many cases, the lawyer will work on contingency — not an hourly rate. Hire a lawyer and let them do the hard work. You’ve just been hit by a TRUCK. Go rest and recover; the lawyer will have your back.