Why Commercial Vehicle Accident Claims Are So Complicated

Introduction

The time that follows a motor vehicle accident can be one of the most stressful and confusing life experiences. After an accident, you have to worry about your well-being and are responsible for filing all the necessary claims before any legal action is taken against your employer. Insurance companies often try to make the process more complicated than it needs to be, but they cannot keep up with the latest technology and adjust their methods accordingly. For example, if you are thinking about getting into the Non-Emergency Medical Transportation Business, you will need to familiarize yourself with the legislation and NEMT insurance requirements in your state or municipality to ensure your compliance.

5 Reasons Why Commercial Vehicle Accident Claims Are So Complicated

1. What Happens After the Accident?

No matter what type of insurance you may have, your policies typically only cover damage to the vehicle and property on a public road. If there were an accident on your employer’s private property, that would be considered a catastrophic injury. Your insurance policy would pay for hospital stays and similar medical costs without asking questions. Unfortunately, this is not the case with most people who file commercial vehicle accident claims.

2. Filing a Lawsuit

Most people don’t know how to handle court proceedings and, even more, don’t realize that legal action takes at least two years. If you file a lawsuit, you must wait at least two years before receiving compensation. Even then, there is no guarantee that your claim will be awarded. Many insurance companies do not hesitate to use dirty tactics to win against claims. A commercial vehicle accident lawyer can keep you informed of all the procedures and ensure that the process is not too long.

3. Gathering the Documents

The accident records will be kept on a computer and not on paper, so you must gather all the relevant information before you even begin to try to make a claim. After you have collected all the information, your lawsuit will be assigned to an attorney who will investigate your claims before submitting a suit. The attorney will need lots of time and resources for this process, so it may take more than two years for them to get back to you.

4. Resolving Disputes After the Accident

But when all this time has passed, and you finally have your attorney in your corner, if you cannot get any money from the insurance companies, you will have to consider taking legal action against them. If the insurance company sends you a letter during these proceedings saying that they don’t intend to fight back against your claims, they will likely not want to pay any further attention to your case.

5. Medical Information

It is nearly impossible to gather medical information on motor vehicle accidents. The insurance companies will do everything to make the process as difficult as possible so that you have no luck in convincing them of the gravity of your injuries. Since they will have an entire team of lawyers working against you, it is unlikely that you will get any compensation from commercial vehicle accident claims.

Conclusion

The process of making a commercial vehicle accident claim can be a long and painful nightmare, but with the information outlined in this post, you can save yourself from facing any of those nightmares. It is not always possible to fight the system when your life and property are on the line, but with this information, you will have enough knowledge to prove that what you went through was a direct result of your employer’s negligence.