Navigating Accident Claims with Trucking Companies: A Stressful Encounter
Accidents on the road can be inconvenient and distressing, especially when they involve larger vehicles like trucks. A recent experience shared by one individual sheds light on the complexities of handling claims when a trucking company is allegedly operating without proper insurance. Below is a summary of the situation and some insights on how to move forward.
Incident Overview
The incident in question involved a minor collision on the highway, where the truck driver changed lanes into a vehicle, resulting in damages estimated at approximately $11,000. The truck driver provided their insurance information at the scene, which was documented with photographs for reference. However, upon reaching out to the insurance company, it was revealed that the policy had lapsed two months before the accident occurred.
Attempts were made to reach the trucking company’s management for clarification. Unfortunately, the individual was met with avoidance, as the manager suggested the claimant call back at a later time but did not engage directly.
Investigating the Trucking Company’s Insurance
In a bid for answers, the claimant turned to the Department of Transportation’s website, which indicated that the trucking company only possessed an active policy with Geico Marine. This raises a critical concern: it is not uncommon for trucking companies to exploit certain types of insurance—like marine insurance—to fulfill regulatory requirements while eluding the necessary coverage for their road operations.
Compounding these issues, the company filed their Motor Carrier Identification Report (MCS-150) just three days post-accident, which calls into question their operational integrity.
Addressing Uncertainties and Next Steps
Given these circumstances, several questions arise. Is the trucking company intentionally dragging their feet, hoping the issue will be overlooked? Should immediate legal action be pursued, such as hiring an attorney or sending formal correspondence requesting the damage amount? Or is it prudent to file a lawsuit straightaway?
Additionally, the individual at the helm of the claim, the father-in-law of the claimant, had full coverage insurance but was driving for Uber at the time of the accident. This situation complicates things further, as he had not disclosed his rideshare activities to his insurer. Concerns about the implications of this disclosure can lead to fears of being dropped by the insurance company or facing difficulties in filing a claim.
Exploring Insurance Options
Questions remain regarding the possibility of the trucking company holding undisclosed insurance. Should efforts to communicate with them continue? Or would it be advisable to engage the
