Posted on January 13, 2011 in Personal Injury
When you are injured in a truck accident, you should contact an attorney before dealing with the insurance company representing the company responsible for the commercial truck involved. Commercial insurance carriers are trained and skilled to implement tactics that will allow them to either avoid accountability or pay the least amount possible for your harms and losses. It is of paramount importance to contact an attorney before interacting with the commercial insurance carrier.
Trucking accident attorneys investigate claims
An attorney begins the process of contacting the commercial insurance carrier by notifying the parties responsible for your accident that you wish to file a claim.
Your attorney then thoroughly investigates the accident that caused your injury. To assist with this, provide your attorney with copies of the essential documents, including but not limited to:
- Police reports
- Traffic tickets given to the at-fault driver
- Photos of the scene
- Names and contact information of witnesses
- Any medical records and bills
Once your injuries have stabilized and the permanent effects of your injuries are clear, serious negotiation with the insurance company begins. While it can be frustrating to wait for your injuries to stabilize, negotiating prematurely can hurt your claim.
At this point, your attorney writes a demand letter to the insurance company, which normally ends with a demand for a specific amount to settle your claim.
Negotiations often move slowly, as attorneys and claims adjusters talk back and forth until an offer to settle is made, which is probably well below the sum in your demand letter. Your lawyer now suggests an amount between your demand and what the adjuster has offered. This continues until a satisfactory sum is reached.
An insurance company has many legal duties to its policyholders. Negligence or refusal to fulfill these duties is referred to as bad faith.
Bad faith can occur in several scenarios including, but not limited to the following:
- When the insurer improperly investigates or values damages, or refuses to acknowledge a claim
- When the insurer fails to act reasonably and in the best interest of its insured by timely offering to pay up to the policy limits of coverage
At such times, you need the services of experienced Tampa truck accident lawyers.
The Tampa personal injury law firm at Mac A. Greco, Jr., P.A. are injury law professionals dedicated to the practice of protecting the rights of individuals injured through the negligence or wrongdoing of others. Determined and driven, we serve personal injury clients throughout Tampa and St. Petersburg, Florida.
When you are injured in a truck accident, you should contact an attorney before dealing with the insurance company representing the company responsible for the commercial truck involved.