Navigating a Trucking Accident Without Insurance: A Cautionary Tale
Accidents on the road can be stressful and complicated, especially when they involve commercial vehicles. A recent encounter sheds light on the challenges one might face when dealing with a trucking company that seems to lack proper insurance coverage.
The Incident
The situation began with a minor accident on the highway, where the truck driver changed lanes haphazardly, crossing over double solid lines and colliding with our vehicle. Following the incident, we assessed the damages, which amount to approximately $11,000.
After the accident, the truck driver shared his insurance details with me, and I took a photograph of the information. However, upon contacting the insurance provider, I discovered that the policy had been terminated two months prior to the accident. This revelation raised a red flag regarding the trucking company’s legitimacy.
Attempts at Resolution
I reached out to the trucking company’s management, hoping for a resolution. Unfortunately, the manager suggested I call back when he was in the office but has since been elusive, making it hard for me to get answers.
A quick search on the DOT website revealed that the only insurance listed for the company was a Geico Marine policy, which raised further concerns. It appears that some companies exploit such policies to evade the minimum insurance requirements for operating vehicles on the road. Furthermore, the company’s MCS-150 form was filed just three days after the incident, which felt suspicious.
Seeking Answers
Now, the question looms: what is their ultimate goal? Are they hoping I will simply let this slip away? It’s crucial to consider the next steps. Should I consult a lawyer immediately or perhaps send a certified letter demanding compensation? Or should I consider filing a lawsuit right away?
Additionally, there were complicating factors with the claimant, who happens to be my father-in-law. While he has full coverage, he was driving for Uber at the time of the incident but hasn’t disclosed this to his insurance company. There are concerns that if I file a claim with our insurance, they may drop us due to the circumstances surrounding the accident.
What Should Be Done Next?
One could ponder whether the trucking company has additional insurance that isn’t publicly listed or if it’s even worth continuing to pursue contact. In the meantime, I’m weighing my options regarding our insurance while grappling with the fear of potential repercussions.
In summary, navigating an incident with a trucking company lacking proper insurance is fraught with uncertainties.
