Truck Insurance Essay

There is also a type of coverage referred to ask medical payments coverage. If an accident occurs, this coverage will help repay the driver or passengers for medical expenses caused by the accident. This is generally a quick process that helps get your medical payments taken care of in a timely fashion (Heath 2.) One final type is the uninsured motorist coverage. This provides the customer with protection from accidents with someone who has not purchased car insurance. This type would also cover hit and run accident that may occur. "Also, uninsured motorist insurance coverage comes into play when an at-fault driver doesn't have enough liability coverage to pay for the damages from the accident." (Abramowitz 2.)

Insurance is the most important thing to have for both truck and trailer. Each truck has two types of insurances. The trucks are to be insured with an on-called load, or loaded and bob-tailed when not under a load. Today many accidents happen by four wheelers and trucks. An owner operator cannot drive without insurance; he/she must have this before getting licenses and permits. The truck must be insured at the minimum of $100,000 to be accepted.

Typically, the way that the trucking companies try to handle an injury accident is to simply pay off their victims to keep them quiet. They may work with a team of truck defense lawyers and insurance companies to try to determine the absolute minimum amount that one of their victims will accept as a payment. It is the job of these trucking defense lawyers and insurance agents to get their clients off the hook for the lowest dollar amount possible, and they have grown exceedingly efficient at it. The priority for these California trucking defense lawyers is to minimize their client's financial liability and see to a quick resolution so that their clients can

o Motor Truck Cargo Legal Liability - covers your load against damage from certain causes.

The Federal Motor Carrier Safety Administration branch of the U.S. Department of Transportation’s released its Commercial Motor Vehicle Facts report in March 2013; that in 2012, there were 5,700,000 Commercial drivers operating in the United States and a total of 504,093 interstate freight carriers operating. There was also a total of 15,465 intrastate hazardous material carriers on the highway. In 2012 alone, there were 75,542 carriers permitted to drive on the highway and roughly an equal amount in 2011, with 75,519. The importance of all of these statistics is that with the ever-growing number of commercial vehicles on the road, the amount of accidents increase as well. In 2011, 3,757 traffic crash victims were killed in a crash with a large truck and nearly 88,000 were injured. The fatality rate per 100 million vehicle miles traveled is .136 for large trucks and busses and the injury rate is 3.8. The estimated costs of commercial motor vehicle crashes totaled $87 billion; with $39 billion from fatal crashes, $32 billion from injury crashes and $16 billion from property damage only crashes. Not all of these accidents and fatalities are commercial carriers fault, because there are other drivers on the road that are distracted or under the influence for instance, but there can be extra precautions taken to decrease the amount of crashes and damage. Decreasing the wait time, also known as detention time, at shipping and receiving facilities, allows the drivers to be driving

For auto insurance I am covered for Bodily Injury Liability, property damage liability, personal injury protection, and uninsured motorist. I am not covered for basic economic loss, additional personal injury protection, residual medical payments, comprehensive vehicle, collision vehicle, emergency road service, and rental reimbursement.

Your current automobile insurance is adequate. You currently have Liability, medical payments, uninsured motorist, damage to your auto, and towing and labor. You have coverage in every field that I would recommend. My only recommendation would be to purchase an umbrella policy that would increase your personal liability coverage to $800,000.

Although it is advisable to have uninsured motorist coverage on you policy, if you are in an accident with a driver that is uninsured, it is too late to add it to your policy. Hindsight is always 20-20. The following are a few of the important things to know about having an accident with an uninsured motorist who is at fault.

There are many different kinds of additional coverage you can add on to your car insurance policy.

Any car accident is scary, but being plowed into by a tractor trailer can be horrific. Accidents involving a commercial vehicle are not often as straightforward as those with private vehicles. If you’ve been hit by a commercial vehicle it’s in your interest to hire an auto accident lawyer immediately, so they can fight for your rights.

By taking the time to hire a professional truck accident attorney to handle your case, you are doing what is necessary to secure a major victory. The responsible party doesn't care that you have a ton of hospital bills as a result of your accident. They don't care that you or someone you love was injured or even killed. They don't care that you may have personal issues that make it hard for you to attempt to get behind the wheel again. In other words, you are just a statistic that happens to be filing a claim against

If the contractor does not have workers' comp insurance and one of his crew members is injured on your site, it is possible that you could end up paying for his medical expenses. If the contractor's truck collides with one of your customer's cars, you could be held liable for the damage if the contractor does not have vehicle liability insurance. If the contractor does not have a general liability policy and his workers damage your property, you or your insurance company could be stuck with the bill.

Almost every state requires every driver to carry a bare minimum amount of liability insurance, with separate protections for bodily injury and property damage expenses. However, these minimums are not enough to pay for the consequences of a serious accident, so it's usually best to get

At Need an Injury Attorney Hawaii we know that collisions with commercial trucks are very scary. Injuries inflicted by commercial vehicles are often very serious because of how large these trucks are. Unfortunately, accidents that involve commercial vehicles happen fairly often.

Accident frequency and severity affects make up the portion of customers’ premium that covers losses. Until recently, when determining liability premiums, vehicle make and model were not consideration. In the year 2000, there are over two auto insurers planned to raise liability rates on large size vehicles like SUVs, pickups and vans. This is based on vehicle safety and claims experience. A larger vehicle can cause injury and property damage; especially in the weight of car a ton or more could change the crash.