Missouri Truck Accident Lawyer Blog

We've often discussed federal regulations of tractor trailers on the blog, but one area that doesn't get talked about often is insurance limits. Like load weights and driving hours, the liability insurance minimums are strictly regulated by the federal government to ensure injured parties are taken care of should a tractor trailer injury accident occur.

Every commercial trucking company that runs shipments across state lines must maintain a minimum level of liability insurance. This level varies depending the weight and nature of the load being hauled, but $750,000 liability minimums are the standard on most 18-wheelers that you see on the road. This minimum goes up if the shipment is hazardous or explosive materials, since they pose more of a threat to other drivers.

Any driver or company who operates a truck without this minimum level of coverage is subject to severe financial penalties. They could be charged with up to $11,000 in fines per day.

Unfortunately, some drivers violate this regulation and don't carry the required amount of liability insurance. In other cases, catastrophic injuries with lifetime effects may end up costing the injured party more than $750,000 in medical costs and lost wages. In these cases, it is a good idea to consult a personal injury lawyer with tractor trailer crash experience. He or she will be able to examine your case and make sure your rights as an accident victim are upheld.

One danger that may not be readily apparent to you as you drive on the highway this winter is the risk of large sheets of ice falling off of tractor trailers. Every year, there are numerous incidents where a driver suffers a serious personal injury or is involved in a car accident after losing control of the vehicle when a chunk of ice smashes through the windshield.

If you've driven on the highway long, you've probably had to deal with minor debris hitting your car from large trucks. The large tires of tractor trailers are good at kicking up small rocks and dump trucks have a tendency to lose small bits of what they're hauling as they hit bumps in the road. Usually this only causes minor scratches or cracks in passenger cars (not to mention the headache of patching these minor damages).

In the winter time, though, the tops of tractor trailers can accumulate large blocks of ice that are liable to break free at any moment. The large flat surface of a trailer roof catches lots of snow and water which can shift easily as the truck moves.

The Chicago Daily Herald has recently reported on a handful of accidents in which thousands of dollars in damage and moderate personal injuries have been caused by falling sheets of ice. New York is considering changing its laws about clearing ice from trucks after a woman there was killed when a piece of ice smashed through a windshield after falling off a tractor trailer.

Unfortunately, it is hard to track the number of these types of incidents each year. Sometimes they go unreported and even in severe cases, the truck that loses the ice is often never found. Perhaps if we had a better understanding of just how big a problem this is, we might see more aggressive regulation to reign in these types of accidents.

If you have been involved in an accident where ice or some type of falling debris has damaged your car and caused injury, contact a personal injury lawyer to discuss your case as soon as possible. Be sure to document any information you have about the incident and vehicles involved.

After a serious accident, all you will probably want to do is make sure you and anyone you were with are healthy and get back to your normal life. You'll want to put the accident behind you as quickly as possible. Life, as we all learn, is not so easy and serious car and truck accidents could lead to lots of investigation and dealing with insurance company representatives. Fortunately, you can take some steps to make this period less stressful.

The first thing you should do is learn as much about your own insurance policy as possible. Even if you weren't just in an accident and happened upon this blog by chance, you should look over your policy to make sure you know when you will be covered and for how much. You will have different coverage for medical payments, property damage, bodily injury to the other party and collision. Be sure to read the fine print and call your agent if you have any questions. It's better to have the information before you have a car accident rather than after the fact.

If you were injured in a car or truck accident, take meticulous notes and keep multiple copies of any documentation. Make sure you get the contact and license info from the other driver and the truck number and trucking company info if it was a tractor trailer crash. If you were injured by someone else's poor driving, their insurance company will be looking to limit their payout to you and having all the pertinent evidence on hand is the first step to protecting yourself.

Representatives from the other insurance company may also try and contact you for a recorded statement. It is in your best interest to avoid talking to them until you have consulted a personal injury attorney. Even if you are absolutely sure that the accident wasn't your fault, anything you say can be used to limit the payment you receive which could leave you in a dire financial situation. A skilled personal injury attorney will be able to advise you on your rights and help you make your statement to the insurance company if you even have to make one at all.