Being in a truck accident in Wisconsin can be a horrible experience. Minor collisions can result in severe damage due to a commercial truck’s huge size and weight. When you are hurt in an incident involving a truck, you want to know if you will be compensated appropriately. Unfortunately, you will often have to deal with several insurance companies after a truck accident, and it may be difficult to establish fault and verify the accuracy of your insurance claim.
Insurance companies can be reluctant to provide you with a reasonable settlement offer, or they may decline your claim altogether. You can still take legal action after contacting a Wisconsin fatal car accident attorney to make sure you are compensated for what you are due.
The reasons why your truck accident claim can be rejected
You might believe that the insurance policy process will move forward without problems and that you will be able to recover the losses you suffered if you follow the right procedures for your truck accident claim.
Unfortunately, insurance companies are renowned for seeking out excuses to deny your claim altogether or to reduce an offer of compensation. Dealing with multiple insurance companies after a truck accident can make the claims process quite tricky.
Your initial claim may be rejected for one of these reasons:
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Failing the deadline for filing
A lot of insurance providers require that you file your claim within 30 days after your accident. However, you may be required to file several claims to several insurers in the case of a truck accident.
For example, in the case of your accident, the trucker, the trucking business, the truck manufacturer, and the cargo company can be held responsible. It is critical that you immediately submit your claims to the insurance of each liable party.
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Failure to establish liability
A truck accident lawyer may help you with finding the people liable for your accident, even if you can start the insurance claims process and the entire personal injury lawsuit process on your own.
The cargo company or trucking company may bear the majority of the responsibility in your accident. Still, you could also choose to focus on submitting a claim to the trucker’s insurance company on your own. As a result, your claim regarding the trucker may be rejected.
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Not receiving medical help.
It is essential that you get medical help immediately after your truck accident, even if your injuries seem to be minor.
Unfortunately, self-diagnosis or seeking medical attention months after a collision is not sufficient legal proof. If you do not have documented records of doctor’s appointments and medical treatment, your insurance company may reject your truck accident claim.
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Pre-existing medical conditions
Insurance companies might try to reject your claim. An insurer can choose not to pay your claim if you have a pre-existing illness that affects the part of your body that was hurt in your vehicle accident.
If your insurance claim is rejected, can you sue?
You might not have an appropriate claim to receive further compensation after accepting a settlement from an insurance provider. In the case that your insurance claim is rejected, you might still have legal choices.
The laws governing truck accidents that you should be conscious of
Comparative fault laws, sometimes referred to as comparative negligence, may affect your truck accident claim in Wisconsin. According to comparative fault laws, you might not have sufficient proof if you bear more than 50% of the liability for your accident. Your settlement amount can be reduced if you have more than 0% liable but less than 50%.
Most states have statutes of limitations that require you to file a lawsuit by a specific date if your truck accident claim is rejected.
Contact a lawyer today for help!
You must provide sufficient evidence of negligence and liability to support your claim and avoid an insurer from rejecting it. Even though you might gather this evidence yourself, a skilled truck accident attorney can provide powerful support.