Navigating a Complex Trucking Accident: What to Do When Insurance is Unavailable
Accidents on the road can be stressful, and the aftermath can often be even more challenging—especially when dealing with the intricacies of insurance claims. Recently, I encountered a disheartening situation with a trucking company and wanted to share my experience, hoping to engage the community for insights and advice.
The Incident
While driving on the highway, a truck driver unexpectedly merged into my lane, crossing over double yellow lines and causing a small accident. The damage to my vehicle has been estimated at around $11,000. After the incident, I obtained the driver’s insurance information and took a picture of their policy for reference.
However, when I contacted the insurance company, I was met with troubling news: the policy had lapsed two months prior to the accident. In my pursuit of accountability, I reached out to the trucking company’s manager. Unfortunately, my efforts have led to a frustrating dead end, as he is currently evading my calls, stating I should reach out when he’s available.
Uncovering the Insurance Puzzle
In an effort to clarify the trucking company’s coverage, I utilized the DOT website, discovering that the only active insurance policy listed is with Geico Marine— an indication that they might be utilizing an insurance policy unrelated to their trucking operations. This practice can sometimes allow trucking companies to stay registered while circumventing the minimum insurance requirements needed to operate legally.
Adding to my concerns, I noticed that they submitted their MCS-150 form only three days after the accident occurred, which feels suspicious and raises questions about their operational practices.
Seeking Guidance
Now, I find myself at a crossroads regarding how to proceed. Is the trucking company’s strategy to stall in hopes that I will abandon the claim? Should I proactively seek legal counsel, send a certified demand letter for the damages owed, or even file a lawsuit immediately?
My father-in-law, who was driving the vehicle during the incident, has full coverage insurance. However, he was also actively driving for Uber at the time, and has not informed his insurer of this arrangement. I have concerns about whether his Uber coverage will play a role here and whether making a claim could jeopardize his current coverage due to the commercial nature of the trip.
Questions to Consider
- Is it plausible that the trucking company has additional, undisclosed insurance?
- Should I continue trying to reach out to them for resolution?
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