Founded in California in 1863, Fireman’s Fund Insurance Company was created to offer coverage to families of firefighters. Eventually, the company was bought out by Allianz and branched out into coverage for businesses that own commercial vehicles.
Commercial trucks provide essential services, like transportation of goods and disposal of hazardous materials. At the same time, they pose a serious risk of bodily harm and property damage, and that’s why it’s essential for these vehicles to have comprehensive insurance.
If you were involved in an accident due to negligence by a truck driver or the trucking company, you take it for granted that payment will be issued by the insurance provider. But companies like Fireman’s Fund do not stay profitable by doing the right thing each and every time. That’s why you are likely to face resistance when it comes to who is at fault and how much compensation you are owed.
Overcoming these obstacles requires help from a seasoned truck accident lawsuit attorney. The legal team of Normandie Law Firm is here for you day and night, and we are more than ready to secure the compensation you are entitled to. Contact us today and seek help from a lawyer that’s experienced with commercial truck accident insurance claims.
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Common Causes of Truck Accidents
Truck accidents can be catastrophic in nature and cause significant harm to many individuals at the same time. Even when a truck is traveling at relatively low speeds, the damage resulting from a crash can be severe due to the vehicles weight and size. Many of these accidents result in cars that are totaled, which is why truck drivers need to exercise the highest level of care when operating their vehicle. Examples of negligence by truck drivers that can cause an accident include:
- Distracted driving
- Fatigue from driving too many hours in a row
- Turning into a lane without signaling
- Improper weight distribution
- Driving while drunk or under the influence of drugs
- Failure to secure the hitch
- Overloaded cargo bed
- Going through a bridge or other structure that is not high enough
- Lack of or improper maintenance that can lead to issues like brake failure and malfunctioning lights
Injuries Caused by Truck Accidents
The injuries you sustain are the most important element in a claim for compensation. Though any car accident is a traumatic event, the potential for permanent complications, including disability, increase significantly when you are hit by a commercial truck. Here are just some of the injuries you can end up with:
- Concussion and other injury to the brain
- Broken bones
- Fractured kneecap
- Internal organ damage
- Deep cuts and other open wounds
- Nerve damage
- Severed limbs
- First to third degree burns
- Broken hip or pelvis
- Tearing of ligaments and tendons
- Complex regional pain syndrome
- Loss of consciousness
- Death
It’s essential that you seek help from a personal injury lawyer, who can help you file a claim with Fireman’s Fund Insurance Co. We are here to assist you 24 hours a day, 7 days a week, so don’t hesitate to give us a call.
Liability for a Truck Accident
The basis of a personal injury lawsuit is negligence, meaning another party failed to take reasonable care, and a result, you suffered bodily harm and/or damage to your property. In order to sue the other party for monetary damages, you must establish negligence by proving:
- The individual or entity at fault (defendant) owed you a duty of care
- The duty of care was breached by careless or reckless conduct (negligence)
- The defendant’s negligence caused an event where you were injured
- The harm you suffered merits compensation, such as medical expenses and pain and suffering.
Please note that you can also file a claim if you did not suffer injuries, but there is damage to your vehicle. The positive with property damage claims is that insurance companies are more willing to settle these cases, and the process of getting paid is more straightforward.
How Long You have for a Lawsuit
With an insurance claim, the idea is to receive an offer from the company, which you can accept or counter with an offer of your own. Insurance companies will try to lowball what you are owed, so you should always discuss any settlement offer with a truck accident attorney before you sign off on the agreement.
In the event you are unable to negotiate a fair amount of damages, a personal injury lawyer can help you file a lawsuit. The time limit to sue for injuries and property damage from a truck accident is 2 years from the accident date. If you are past the statute of limitations for a truck accident lawsuit, your claim will be invalidated by the court, meaning you will permanently lose the right to monetary compensation.
Average Value of a Commercial Truck Accident Case
National statistics put the value of a commercial truck accident claim at anywhere from $50,000 to over $100,000. However, many of the claims that are handled by our attorneys settle for $100,000 to $1,000,000. Personal injury case values in California tend to be higher than the national average, so this is a factor in why the majority of victims receive 6 figure payouts. But this is one of many factors that impact how much you can receive in compensation. Here are some other variables that we examine:
- Severity of physical injuries and long-term complications
- The entity or entities that are responsible for the accident
- Insurance coverage policy limits
- Total amount of quantifiable losses (economic damages)
- Degree of psychological distress, which has a direct impact on emotional distress and pain and suffering
The skill of the attorney representing you is another factor that is often overlooked. A lawyer with many years of experience in commercial vehicle accident cases can handle any complications that come up along the way and maximize your settlement from a Fireman’s Fund truck accident claim.
Damages that can be Recovered
Those who were harmed in a truck accident may be eligible for monetary damages from an accident claim against Fireman’s Fund Insurance Co. Potential categories of compensation you can receive include:
- Medical expenses, now and into the future
- Lost wages
- Cost of fixing or replacing your vehicle (property damage)
- Pain and suffering
- Emotional distress
- Punitive damages
- Legal expenses
If your loved one died in a truck accident, you may have grounds to file a claim for wrongful death. In this type of legal action, you are seeking payment for funeral costs, loss of expected savings, and other financial burdens that resulted from a spouse or family member’s death.
Contact Normandie Law Firm
Our legal experts have been fighting for the rights of accident victims for several decades. A truck accident has a devastating impact on your life, and those who are eligible for compensation are often taken advantage of by the insurance company. A lawyer that specializes in truck accident insurance claims can help obtain the full value of your losses.
We operate on contingency, and that means we are only paid upon the recovery of your settlement. That saves you from having to pay anything out of pocket, which is crucial when you are dealing with medical bills and other expenses after an accident. What happens if we don’t bring you compensation from a successful claim or lawsuit? You owe us $0 in legal fees under the Zero Fee Guarantee.
It all begins with a free case review, which you can schedule by contacting us at your earliest convenience.
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