Personal Injury Law - Truck Accidents - Insurance Companies
Insurance Adjusters are the First Step in the Game Called “Claim Denial”
A (comparatively) larger number of gravel haulers, including independents, are underinsured; which means they only carry minimum liability coverage on their rigs. However, commercial liability insurance minimums are not governed by the same laws that oversee auto minimum liability insurance companies so when there is a commercial underwriting company involved, and if there is an accident, the coverage amounts can usually fully compensate victims of dump trucks and gravel hauler accidents. But just because it’s available doesn’t mean it’s easy to be compensated for your injuries and all other damages arising from an expensive truck wreck.
The business model of virtually every commercial insurance company is to protect their cash, regardless of whether the underwriter is a corporation that answers to stockholders or a mutual fund company that answers to its policyholders (in this case, the trucking company). All insurance companies are in the business of taking-in premiums and paying out as little as absolutely necessary in claims. Their duty to themselves and policyholders is to deny your claim, avoid paying you fairly, and protect their funds. This happens untold thousands of times every year. Without the right experienced dump truck and gravel hauler accident attorney on your side, the odds of collecting a fair settlement from any insurance company are astoundingly against you.
While the Texas Civil Practices and Remedies Codes grant the right for anyone been injured in any trucking accident, or the surviving family members in the event of wrongful death, to be compensated, the law doesn’t necessarily grant a victim claims an injury by rote. It must hard-fought and won. You, as plaintiff, must first prove the liability of those responsible for the injuries arising from your negligent dump truck accident and all the other damages arising from it. The burden of proof is yours. Unless you clearly show that the money you’re asking for is a fair reflection of your losses, damages, and injuries, you have no hope of winning. The insurance company and the sharp lawyers who represent them, do everything possible to deny your claim or civil case. And if they are found liable, they inevitably argue that the amount you seek is excessive, unreasonable and that you deserve much less.
Insurance adjusters are their first weapon in their fight against you. They shield their employer from you because their job is to save their companies money by denying your claim or underestimating the cost of the wreck. And the best adjusters get the most important cases. Truck wrecks are the most expensive and thereby, pose the most danger to the insurance company’s profits. An adjuster often acts like your best friend and constantly assures you that all of your needs are met. Then they turn around and work behind the scenes to build the case for the insurance company’s denial of your claim.
Adjusters are very clever and can be quite sneaky. They try to imitate the good relationship you have with your car insurance agent. Often, under the guise of being “on your side,“ they might innocently try and record you saying something that can later be twisted around to sound like your admitting some liability. They regularly use this tactic to destroy your chance to receive any form of fair compensation. Some unscrupulous adjusters even try to deceptively convince uninformed truck accident injury victims to sign away the legal right to sue in exchange for a measly settlement amount that would never even approach fair compensation for the victim’s injuries and other financial losses from a big rig accident.
The tactics of an insurance company to save their money by denying your rightful claim is illustration enough of why you need aggressive, experienced legal representation. Only the history of success of an experienced dump truck accident attorney such as our Law Firm set unscrupulous insurance adjusters in their place and compel their insurance company into a fair settlement, or defeat them in court if they refuse to see reason.
Our Law Firm has decades of experience handling personal injury litigation in dump truck and gravel hauler accident cases. If you or a loved one has been seriously injured by one of these road monsters, our expertise significantly increases your odds to receive the fairest compensation possible for the injuries and pain you have suffered. We’ve helped deliver millions of dollars to hundreds of accident victims in Texas. So if you or a loved one has been involved in a trucking accident anywhere in Texas, our experienced accident lawyers can win the best compensation possible for you.
Call us today at 1(800) 862-1260 (toll-free) for a free consultation to begin your road to total recovery so you and your family can resume your life.