What Are My Rights as a Passenger in a Commercial Vehicle Accident?

Question from Les, What Are My Rights as a Passenger in a Commercial Vehicle Accident?

Answer from AI:

If you were a passenger in a motor vehicle accident involving a commercial vehicle, it’s important to understand your rights and the steps you can take to protect them. Here’s a general overview of what you should know:

Right to Seek Compensation

As a passenger, you have the right to seek compensation for your injuries and losses resulting from the accident. This can include medical expenses, lost wages, and pain and suffering.

Insurance Claims

• Commercial Vehicle’s Insurance: Commercial vehicles are typically required to carry higher liability insurance coverage due to the potential for more significant damages in an accident. You may file a claim against the commercial vehicle’s insurance policy.
• Driver’s Personal Insurance: If the accident was caused by the driver of the vehicle you were in, you might file a claim against their personal auto insurance policy.
• Uninsured/Underinsured Motorist Coverage: If the at-fault party does not have sufficient insurance, you may be covered under the uninsured/underinsured motorist coverage of the vehicle you were in, if such coverage exists.

Steps to Take After an Accident

1. Seek Medical Attention: Your health is the top priority. Even if you don’t think you’re injured, it’s important to get checked out by a medical professional.
2. Report the Accident: Ensure that the accident is reported to the police. A police report can be a valuable piece of evidence when filing an insurance claim.
3. Gather Information: If possible, collect contact and insurance information from all parties involved, as well as names and contact details of witnesses.
4. Document the Scene: Take photos of the accident scene, your injuries, and any damage to the vehicles.
5. Contact Insurance Companies: Notify the insurance companies of all parties involved in the accident. However, be cautious about providing statements or accepting settlements without legal advice.

Legal Representation

Consider consulting with a personal injury attorney who specializes in motor vehicle accidents. An attorney can help you navigate the claims process, negotiate with insurance companies, and, if necessary, represent you in court.

Statute of Limitations

Be aware that there is a statute of limitations for filing a lawsuit, which varies by state. This is the deadline by which you must file a claim or lawsuit to seek compensation for your injuries.

When to Seek Legal Advice

Legal advice may be necessary if:

• You have sustained serious injuries.
• There is a dispute over who is at fault.
• You are facing significant medical expenses and loss of income.
• The insurance companies offer a settlement that doesn’t cover your losses.

For more information on your rights and the next steps to take, you can visit the National Highway Traffic Safety Administration or the Insurance Information Institute. Remember, this information is not a substitute for personalized legal advice, and it’s always best to consult with a legal professional for guidance specific to your situation.