“Big Rig” and commercial trucks can cause severe injuries to motor vehicle drivers. These types of collisions can result in extremely severe and permanent injuries, and you need an attorney who is experienced in the laws governing the trucking industry. With hundreds of thousands of commercial vehicles traveling our roadways every day, these collisions occur very frequently. Truck owners and operators only profit when their trucks are on the road transporting goods and services to the vendors and end users. In order to meet tight schedules and deadlines, trucking companies push their drivers to stay on the road for longer periods of time. This results in exhaustion and bad judgment. Sometimes, poor maintenance of the vehicles can contribute to these collisions.
When the operator of the truck is responsible for a collision, the owner must provide commercial insurance coverage for their company vehicles. Typically, these policies are in excess of $1,000,000.00, with umbrella coverage that is oftentimes more than $10,000,000.00. When a driver/employee causes an accident, the company and its insurance carriers may very well be responsible for paying ALL of your medical expenses, the damage to your vehicle, your pain and suffering, any permanent disability or future medical treatments you may need, and any loss of wages or damages to make you whole again.
There may also be other insurance available to pay for medical bills, such as medical payment coverage ( i.e. “med pay” ) on your own insurance policy. You should also know that Nevada law protects you when you use your own med pay in two very important ways.
First, when your claim is resolved, your insurance company cannot seek full reimbursement from your settlement for the money it had to pay on your behalf. Second, your insurance company cannot raise your insurance rates, as long as you were not at fault in the collision. For most people, increasing their med pay coverage is a very smart move.
In addition to recovering your own damage, if you were married at the time of the crash, your spouse is entitled to assert a separate claim for loss of consortium because of the negative effect the accident had on your relationship.
Oftentimes, insurance companies will attempt to obtain a recorded statement from you after the collision. You need to understand that this is for their benefit, NOT yours. Always speak with an attorney first.
With offices in Nevada and California, our firm is well qualified to handle your case if you’ve been involved in a serious motor vehicle collision. You can reach us at (702) 734-3936; or if you’re outside Nevada, dial (888) 734-6789. Our firm has been representing injured people for more than 40 years and we have the training and experience necessary to go up against major trucking companies and prevail for our clients.