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What to do if You Are Hit by a Truck

Semi truck driving down the roadBeing hit by a truck would surely be an encounter of the first kind. Not only is your risk for serious injuries quite high, but severe damage to your car is very possible. If you happen to sustain only a minor injury and can still walk around and are fortunate enough to have a clear head, here are some of the things that you should and should not do:

  1. Do not leave the scene of the accident. Stay and wait for the authorities to arrive.
  2. Do not move your vehicle. Valuable information might be lost if you do so.
  3. You can also call the police yourself if you have a cell phone or ask a bystander or other motorist to call the police.
  4. Call 911 for an ambulance if other occupants of the vehicles are injured.
  5. When the police arrive, cooperate and give information when asked. Do not utter comments such as, “I was in a hurry,” “I did not see the other vehicle,” “the truck came out of nowhere,” etc. these will be reflected in the police report and put you at a greater liability or at fault.
  6. Do not talk with the trucking company’s insurance adjusters at the scene. Never give any statement in writing or sign anything without first retaining the services of a lawyer. Notify your insurance carrier about the truck accident. It’s also important to have your own insurance information on hand and to know what your policy is, so you know how you are protected.
  7. Take pictures if you can. Have a photograph of your vehicle’s damages and of the truck. Capture the position of the two vehicles and take pictures from various angles. These photographs can serve as evidence when you need to present your claims.
  8. Get information such as names, addresses, phone numbers, and email addresses, etc. for all parties involved. Also get the drivers’ licenses and license plate numbers for all parties and vehicles involved. Get the insurance company name and policy numbers of the other driver and also provide your information to the other driver. If possible, get the names and all contact information for any and all eyewitnesses to the accident.
  9. Seek medical treatment. Even the most minor collision can result in severe injuries which may require hospitalization, doctors visits, physical therapy, and even surgery, leaving you with significant medical costs. If you are hurting, we recommend you consult a licensed medial practitioner to document any injuries you sustained as a result of the collision. Documentation of your injuries is extremely important to any case you may have. Sometimes the aches are felt the day after the accident. It is best to get a medical checkup since some complications resulting from the injuries sustained during the accident may manifest in later days.
  10. Get a competent personal injury lawyer to help you with your claims. The personal injury lawyer will help you file the claim and get the compensation you deserve. If it can be proven that the driver of the semi-truck was at fault, then you are going to be compensated for past and future medical expenses for the sustained injuries. You will also be compensated for lost wages and lost earning capacity resulting from the accident.

Commercial truck insurance includes basic coverage consisting of collision coverage and comprehensive insurance. Collision coverage pays for the cost of the other vehicle and damage to the truck. Comprehensive insurance, on the other hand, covers the cost of the truck’s repair up to the maximum value. Commercial trucks also carry commercial auto liability for bodily injuries and damage to property. There is also cargo insurance to cover loss or damage to cargo and occupational accident insurance for the truck driver for accidental death or dismemberment that can occur in the course of truck driving. Lastly, there is bobtail insurance when traveling without cargo or trailer and when used for personal purpose. If you have been hit by a truck and would like a free consultation, contact us today at Christensen & Hymas at (801)506-0800. Call the Utah Truck Accident Lawyers today!.

Image “Semi Truck” copyright by KOMUnews.

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