Navigating Insurance Issues After a Trucking Accident: What Should You Do?
Accidents are unfortunate events that can turn complicated, especially when dealing with trucking companies and their insurance coverage. A recent incident on the highway serves as a stark reminder of the importance of understanding your rights and the necessary steps to take following a collision involving a commercial vehicle. Here’s an overview of the situation and what options are available.
The Incident
Recently, a minor accident occurred due to a truck driver merging recklessly over double solid lines, resulting in significant damage to our vehicle. We have obtained an estimate for repair costs totaling approximately $11,000.
Complications with Insurance
Upon exchanging information, the truck driver provided their insurance details, which I documented. However, after reaching out to the insurance company, I discovered that the policy had been terminated two months before the incident. To further clarify the situation, I contacted the trucking company’s manager, who suggested I follow up later while avoiding my calls.
My search on the Department of Transportation (DOT) website revealed that the only active insurance they have is with Geico Marine, a company typically associated with marine insurance rather than trucking operations. It appears some companies may try to manipulate their coverage to meet minimum requirements without adequately protecting their operations—which raises concerns.
Compounding the issue, the trucking company filed their MCS-150 three days after the accident, which may indicate an attempt to cover up their lack of insurance.
Next Steps
Facing such challenges raises several important questions:
- What is the company’s strategy? Is their intention to delay the process, hoping the matter will fade from memory?
- Should I seek legal counsel? Consulting a lawyer may provide clarity on how to proceed, especially when dealing with evasive companies.
- Is it wise to send them a formal request for the repair cost? Sending a certified letter may prompt a response, but what if they continue to ignore it?
- Should I consider filing a lawsuit? Depending on legal advice, filing may be an option if attempts at resolution fail.
Additional Considerations
The claimant involved (my father-in-law) was driving for Uber at the time of the accident and has full coverage. However, he has not disclosed his rideshare activities to his insurer, raising further complications. While he may have separate coverage through Uber, navigating the relationship between this policy and the present incident is still unclear.
A key concern is
