When another driver causes a car crash that hurts you, you know that you have the right to file an insurance claim against their policy. Their coverage can reimburse you for your medical costs, the cost to repair or replace your vehicle and even the wages you can’t earn during your recovery.
However, not all crashes lead to straightforward insurance claims. For example, if you were hurt in a wreck involving a commercial vehicle, your rights and options are different than in a crash with another passenger vehicle. What potential opportunities for compensation do you have after a crash with a semi-truck, a bus or another commercial vehicle?
You can bring a claim against the commercial vehicle policy
Just like passenger vehicles, commercial vehicles are subject to insurance mandates when they drive in Massachusetts. Property damage and medical liability coverage are necessary for commercial vehicles just like they are for passenger vehicles.
You may be able to bring a claim against the commercial vehicle policy coverage for the vehicle that hit you for the losses you have suffered because of the crash. Unfortunately, when the policyholder is a business, they may be more likely to fight your claim and try to deny you the compensation you deserve. Claimants are at risk of losing out on compensation if they don’t know how to respond to common insurance negotiation tactics.
You may be able to bring a lawsuit against the driver or their employer
Roughly half of all commercial vehicle collisions are the responsibility of the driver of the commercial vehicle. Sometimes, they make mistakes at the wheel. Other times, they flagrantly violate traffic laws. In the situation where a driver’s misconduct, like getting behind the wheel while under the influence of alcohol or drugs, led to the crash, you may be able to take legal action against the driver.
In circumstances where company policy or faulty maintenance of the vehicle cause the wreck, you may be in a position to file a civil lawsuit against the commercial transportation company that owns the vehicle or employed the driver. Reviewing the records from your recent commercial crash will give you a better idea about what compensation opportunities are available to you.