Unlike traffic accidents involving smaller vehicles, truck accidents cause catastrophic consequences. Due to their extraordinary size and heavy (and sometimes hazardous) cargo, trucks pose a significantly greater risk for other traffic participants.
Traffic scenarios with truck collisions affect multiple vehicles and can result in dozens of victims. Truck accidents often involve grave personal injuries, large-scale property damage, and even fatalities.
Typical causes of truck accidents in Canada, including New Brunswick, include:
All motor vehicle owners in New Brunswick, including truck drivers, must purchase mandatory third-party liability coverage. The insurance protects truck owners from liability for scenarios involving personal injuries, property damage, or deaths. Due to their specific nature, truck accidents typically include multiple claimants.
The minimum mandatory third-party coverage is $200,000, available for any one accident. It covers death claims up to $50,000, funeral expenses up to $2,500, bodily injury claims up to $20,000, and medical payments up to $50,000 per person (with a four-year time limit).
In New Brunswick, over 65 private insurance companies offer third-party liability insurance. The amount you pay for the coverage depends on the type of your truck and the past insurance claims record. If you were involved in truck accidents before, or if one or more victims filed a compensation claim against the insurer in the past – the coverage price is higher.
As a third party involved in a truck accident, you can file a claim seeking the at-fault driver’s insurance company to compensate for the damage you suffered (medical treatment, car repair costs, etc.). A successful claim requires collecting necessary evidence (taking photos, recording the location, time, and names of the participants in the accident, as well as potential witnesses).
Unlike car owners, who are typically individuals, transport companies usually own trucks. Since truck accidents can result from a driver’s fault, improper vehicle maintenance, or faulty manufacturing, an injured person can pursue legal action against multiple persons or entities (a truck driver, transport company, maintenance firm, or truck manufacturer). The first step, however, is filing a claim with the insurance company.
After filing a claim, the insurance company’s claims adjustor will consider it and decide your case. If they deny your claim or offer only partial compensation, you can pursue compensation by filing a lawsuit against the owner, manufacturer, or insurer.
Being involved in a truck accident causes devastating consequences. Below are the most common compensation types victim can seek.
Truck accidents heavily impact everyone involved, wreaking havoc on the personal lives of the victims and their families.
Insurance companies will do everything to deny or devalue your claim by blaming the victim, disputing the severity of injuries, minimizing the property damage costs, or delaying the claims process. That is their principal, profit-driven goal.
Mr. Haller can help you gather the necessary evidence to support your claim with the insurance company. If the insurer denies or devalues your claim, Jack can offer top-level representation in court, ensuring you get the compensation you deserve.
Reach out today to schedule your free consultation. No payment of legal fees until your claims settled!