1 Do You Have a Case? Truck Accident ebooklet Andrew Miller 201 South 3rd Street Logansport, IN P: (574)
2 Disclaimer No attempt is made to establish an attorney-client relationship through the use of this ebooklet. The attorney-client relationship does not begin until a written agreement has been agreed upon and signed between the client and his or her law firm. This ebooklet may be considered advertising materials under Indiana law, and the law firm has attempted to comply with appropriate legal and ethical requirements in creating this form. The hiring of a lawyer is an important decision that should not be based solely on advertising. 2
3 Table of Contents What should I do after a truck accident?... 4 What laws apply to truck accidents?... 6 How do I recover medical expenses for a truck accident?... 7 Can I sue the trucking company?... 8 How do I file a truck accident claim?... 9 What is the process for truck accident litigation?
4 What should I do after a truck accident? If you or a loved one is involved in a truck accident there are certain actions you can take to protect your legal rights, and also to gather and preserve the most helpful evidence to help successfully litigate your claim against the trucking company. Here is a list of some of the actions you should take after a truck accident. Please note, however, that for all actions listed as something to do right after the accident, at the accident scene, we understand that not all these actions may be practically taken. For instance, if you or a loved one are seriously injured it may not be possible to perform some or all of these steps suggested, and instead focusing on you or your loved ones health in such a situation is more important. However, in such cases, the more quickly you can contact an attorney the better, once your immediate medical needs have been attended to. This is because the attorney, and the staff or other experts they may hire, can then assist you in the gathering and preserving of evidence before it is lost, destroyed or otherwise harder to collect. Right after the Accident, At the Accident Scene Contact the police as quickly as possible to try to ensure the preservation of the accident scene. Request a copy of the police report from the officer(s), or find out from them how to get it later once it has been completed. When providing a statement to the police about what happened stick to sharing only the facts. Do not speculate as to what occurred and do not admit any fault. Say as little as possible to the truck driver. Even what we would consider to be just social courtesy, like saying I m sorry, can be brought up later in a lawsuit. Take pictures with your cell phone or other camera and otherwise observe the accident scene. (Make sure to download a copy of all photos, without deleting any, from your phone soon afterward, to provide a copy for your attorney). Here are some examples of things to observe or to take pictures of: Vehicle DOT (Department of Transportation) license number for both the truck and the trailer (these numbers are usually different) The names or other identification on the cab and/or the trailer Any skid marks made by the truck The condition of the truck and trailer s tires Condition of all vehicles involved in the collision Gather information from and around the accident scene. Some examples of this information include: Truck driver information, such as his or her license and insurance information 4
5 The insurance information for the truck owner and trailer owner (if available) Names and contact information of any witnesses Names and contact information of any persons taking pictures, or talking to witnesses or persons involved in the collision. (Please note that it is not unusual for trucking company representatives and/or insurance company representatives for the trucking company to be present before the accident scene is even completely cleared. They often will act very nice and helpful, but understand that their loyalties lie elsewhere, and they are not there to protect your interest.) Seek medical attention immediately, even if you don t think your injuries are severe. See How do I recover medical expenses for a truck accident?. It is very important at all times, both for any potential claims and also for your health, to be honest about your injuries, neither exaggerating nor downplaying them. See How do I file a truck accident claim?. After Receiving Initial Medical Treatment Write down everything you can remember about the accident, including what happened right before, during and afterward, while your memory is fresh in your mind. Contact your insurance company to tell them about the accident. After you ve seen your doctor and your immediate family needs are in order, contact Starr Austen & Miller to learn how an experienced attorney can help you. Act quickly so that you do not miss any applicable statutes of limitation. See What is the process for truck accident litigation?. When Dealing With Trucking Company s Insurance Carrier or Legal Counsel Do not speak to anyone representing the trucking company, including the trucking company s insurance provider, without your own counsel present. Do not sign anything without legal representation. Starr Austen and Miller, Indiana truck accident lawyers, focuses on representing individuals and their family members in serious personal injury and wrongful death cases, such as those often involved in truck accidents. If you or a loved one have been in a truck accident you can contact us for a free consultation to discuss your case. [Source: TruckAccidentLawyer.com, Truck-Accident-Lawfirm.com] 5
6 What laws apply to truck accidents? Truck drivers have control of very large and heavy pieces of machinery, their semi or tractor trailers, which because of these characteristics can be very dangerous to other passenger size vehicles and the inhabitants within them. Because of the inherent dangerousness of these vehicles, and because they often cross state lines during the normal course of hauling goods, federal laws have been established, along with individual state laws, for the regulation of both truck drivers and the trucks they drive, and the loads they carry. The United States Department of Transportation (USDOT) through its division, the Federal Motor Carrier Safety Administration (FMCSA), has laws in place dealing with many aspects of safety for these vehicles and their operators. For example, all truck drivers who operate vehicles meeting certain criteria must hold a commercial driver s license (known as a CDL). To obtain this license, a driver must pass both a skills test to demonstrate their ability to handle and maneuver such a large vehicle properly and safely, and a knowledge test to demonstrate their knowledge of relevant rules, safety regulations, and inspection procedures. An additional federal regulation relates to controlled substances and alcohol use and testing for truck drivers. For example, this law requires that truck drivers who need a CDL to drive certain vehicles must also undergo mandatory testing for illegal substances. In addition, it provides for a lower legal definition of drunkenness than some state laws. Finally, these federal regulations effect the hours of service, including the amount of time that a truck driver may drive and/or be on-duty before mandatory rest breaks to reduce the risk of drivers losing focus or control of the vehicle because of fatigue. (See also What are the most common causes of truck accidents? ). To enforce these rules drivers are required to keep a log book of each 24 hours, in 15 minute increments, specifying when certain actions such as stops, inspections, and driving take place. In substitution for a log book some trucks have electronic onboard recorders, sometimes referred to as a truck s black box, to record the driver s hours. In addition, the USDOT enforces regulations relating to: The qualifications of drivers The parts and accessories necessary for safe operations Inspection, repair and maintenance of trucks and trailers Specific rules regarding the transportation of hazardous materials and migrant workers Some states also have special speed limit restrictions, and restrictions for trucks from driving in certain lanes, for example. 6
7 If you have been in a truck collision you should consult with an attorney or law firm familiar with both federal and state truck safety regulations and laws to investigate whether all regulations were followed prior to your collision or not. Starr Austen and Miller focuses on representing individuals and their family members in serious personal injury and wrongful death cases, such as those often involved in trucking accidents. If you or a loved one have been in a truck accident in Indiana, you can contact us for a free consultation to discuss your case. [Source: Truck Accident Lawyer.com] How do I recover medical expenses for a truck accident? If you are injured in a truck accident, you will most likely incur medical bills as a result of treatment. One of the types of compensation for truck accident claims is recovery of both past and future medical bills for injuries and conditions caused by and related to the accident. There are certain actions you can take to make it more likely for you to recover your medical expenses from the truck accident. These include the following: Seek Medical Attention Immediately After the Accident Whether you believe your injuries are severe or minor, seek medical treatment right away. This will allow a doctor to assess your medical condition right after the accident and hopefully start you on a road to recovery immediately. Further, some injuries and symptoms may not show up immediately, or may worsen with time. Others may begin to fade or heal soon after the accident, such as bruising and other wounds. Fully documenting the extent of your physical injuries, through every stage, and following up with all recommended treatment will help you recover damages for all injuries you may have sustained as a result of the accident and will also hopefully help you heal. Keep All of Your Medical Records and Copies of Bills Received Once you receive all of your various medical treatments, make sure you keep copies of all medical records provided to you (your attorney or the insurance company will also request some of these directly from physicians), along with copies of any and all medical bills you receive. Please note 7
8 that with the state of medical office billing these days you will most likely receive several different bills from several providers, even for the same day or visit to one office. Further, when saving records and bills do not forget to keep receipts, including out of pocket costs, for both prescription and over the counter medications, lab and diagnostic fees, and for devices such as crutches, wheelchairs, canes, and even for physical therapy. Starr Austen and Miller, truck accident lawyers in Indiana, focuses on representing individuals and their family members in serious personal injury and wrongful death cases, such as those often involved in trucking accidents. If you or a loved one have been in a truck accident you can contact us for a free consultation to discuss your case. [Source: Truck Accident Lawyer.com] Can I sue the trucking company? If you or a loved one is involved in a trucking accident, because of the inherent dangerousness of these vehicles you may have suffered some significant or severe injuries, or had some heavy property damage such as to your vehicle. To recover compensation for these losses may take a large sum of money, more than a typical truck driver may personally have. Read about the types of compensation for victims of a serious truck accidents. Even though it was the individual truck driver who was involved in the accident, he or she may not be the only person responsible for your injuries and damages. What you, as a truck accident victim should know, is that in many instances the trucking company can be held liable for the damages and required to pay for the damages caused by the truck driver. In What Instances Can You Hold The Trucking Company Liable? If the truck driver is an employee of the trucking company, and he or she was driving the truck as a part of his employment when the accident occurred, than the trucking company will typically be held liable for its employee s negligence, if any. However, sometimes proving an employment relationship between the truck driver and the trucking company is more difficult, because the trucking company has classified the driver as an independent contractor. In those instances many legal factors must be assessed, along with very specific facts surrounding the relationship between the driver and company, to determine if this classification is in fact accurate, or if the driver is, in fact, an employee. An experienced 8
9 attorney can help identify the key legal factors and facts to make a determination of the driver s true characterization to determine if the trucking company can also be held liable in a particular case. Why Should You Attempt To Hold The Trucking Company Liable? Victims of trucking accidents can suffer severe injuries and property damage, and the compensation needed to recover for those damages can be large. It is typically the trucking companies that have the necessary resources to make a plaintiff whole, either through assets or insurance company policy proceeds. Since holding the trucking company liable can be tricky, especially when they attempt to misclassify drivers as independent contractors, instead of employees to avoid liability, you need an experienced attorney to help you get the compensation you may deserve. Starr Austen and Miller, Indiana truck accident attorneys, focuses on representing individuals and their family members in serious personal injury and wrongful death cases, such as those often involved in trucking accidents. If you or a loved one have been in a truck accident you can contact us for a free consultation to discuss your case. [Source: Truck Accident Lawyer.com] How do I file a truck accident claim? If you ve been in a truck accident you may wonder how to file a truck accident claim to try to receive compensation for your injuries and other damages. Trucking law and litigation can be complex, because it is necessary to understand and know applicable federal and state rules and regulations, deadlines for filing, and which parties to file a claim against. An attorney familiar with trucking law can help you file such a claim. Here are some important things to remember at all times when filing a truck accident claim: Be Completely Honest There is no need to lie or exaggerate anything when providing information for a claim. In fact, such dishonesty will only end up working to your disfavor because trucking company s insurance companies and lawyers will hire investigators, gather your medical records, and otherwise fact check basically everything you tell them anyway. That means if they catch you in a lie they will point that out over and over, and it will negatively impact your claim. 9
10 Neither Exaggerate nor Downplay the Extent of Any Injury Do not exaggerate your injuries in the belief that this will provide you with a larger settlement or verdict, for the same reasons stated above about why it is important to be completely honest. On the other hand, it is sometimes believed for politeness that you should not complain or discuss your injuries, or just downplay your problems if they are not, to your belief, severe. This is also not appropriate for your claim. Downplaying your injuries will not get you the full compensation that you may be entitled to. Further, injuries come and go with time. Bruises may heal quickly, or what you thought was a slight bump may later turn out to be something more serious. Since you cannot predict the future, go ahead and make note of all your injuries as you experience them, whether you currently believe they are severe or not. Consult an Indiana Truck Accident Lawyer When dealing with the trucking company s insurance company you may be asked to sign certain documents, such as a release. You should not sign any documents until you have reviewed them with an Indiana Truck Accident Lawyer, who can explain their legal significance to you and help you understand what you are signing and its implications for your claim. Do Not Miss Any Deadlines The laws and procedures in place require you to file truck claims within certain deadlines, commonly known as the statute of limitations. If you miss filing your claim within this window of time you may be barred from recovering on your claim. This deadline varies depending on the facts of the case, and what causes of action you may file against the trucking company or other defendants. Consult with an experienced attorney who can help review the facts of your case to determine applicable deadlines and help you make sure you do not miss them. Starr Austen and Miller focuses on representing individuals and their family members in serious personal injury and wrongful death cases, such as those often involved in trucking accidents. If you or a loved one has been in a truck accident you can contact us for a free consultation to discuss your case. [Source: Truck Accident Lawyer.com] 10
11 What is the process for truck accident litigation? If you are involved in a truck accident, and have suffered damages, including physical injury, incurred medical bills, lost income, and/or suffered damage to property, you may have a claim against the trucking company, among other parties. Once an accident occurs the trucking company s insurance carrier will become involved, investigating the claim and trying to talk to you about the case. Although you can deal with the insurance company on your own, the insurance company is not on your side, but instead is protecting its interests and those of its client, the trucking company. Therefore, it is often better to have an Indiana truck accident attorney on your side helping you protect your rights and interests. Once you have hired an attorney or law firm, the firm and its staff and other hired experts, will begin the process of investigating your claim, and gathering evidence and information. During this time there may be conversations and back and forth between your attorneys and the trucking company s insurance company. Eventually, the insurance company for the truck company may offer you a reasonable settlement amount, before a lawsuit must be filed. If you and your attorney believe you ve been offered a fair settlement amount, then the case can be concluded at that time. For more information, see How much is my truck accident case worth?. However, there are many instances in which such a reasonable settlement offer is not provided, at least at that time, and action must be taken to preserve your rights. It is critical to consult with an attorney about your case since there are deadlines, called statutes of limitations, for bringing a cause of action in court against those who you alleged have harmed you. If you file later than the deadline set by the law you can be barred from ever receiving any compensation for your injuries and other damages. After a lawsuit is filed even more investigation and fact gathering is typically conducted, by both the plaintiffs side (you) and the defendant (the trucking company and potentially other parties too). This process is called discovery, and involves both the exchange of documents and other physical evidence, and also written and oral questions of key participants in the accident, or about topics related to the events before, during and after the accident, including the damages you sustained. At any time after a lawsuit is filed, and including during the trial of the case, your case may be settled if both parties can agree to a reasonable settlement amount. However, if both sides do not agree to a settlement the case will eventually go to trial. Depending on many circumstances 11
12 your case may be decided by a judge (known as a bench trial) or a jury (known as a jury trial). If your case is decided by a jury, the first step in the trial process is jury selection. Then, in both bench and jury trials both sides, plaintiff and defendant, provide opening statements, then each side presents evidence, and then closing arguments. Finally, if the jury is deciding the case it will deliberate, and then reach a verdict. Finally, either the judge or jury, whoever is deciding the case, if they find for the plaintiff, will determine a verdict amount. This amount will represent how much money they believe you are entitled to compensate you from your losses from the truck accident. Truck accident litigation can be quite lengthy and also very complicated. You need to hire an Indiana truck accident attorney, or law firm, who is familiar with trucking litigation in your state, and has experience in this area. Starr Austen and Miller focuses on representing individuals and their family members in serious personal injury and wrongful death cases, such as those often involved in trucking accidents. If you or a loved one has been in a truck accident you can contact us for a free consultation to discuss your case. [Source: Truck Accident Lawyer.com] If you have any questions or would like to discuss your case, please contact me. Andrew Miller (574)
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Why Learn About No-Fault? Michigan No-Fault Law: What You Don t Know Can Hurt You Third Party Payer Day Mt. Pleasant, Michigan October 30, 2015 Robert E. Dice, Jr., Esq. Dice Law PLLC 25925 Telegraph Rd.
Avoid these 6 common mistakes at all costs while pursuing your car accident injury claim. The at-fault driver s insurance company may seem pleasant and reasonable, but make no mistake about it they are
Personal Injury Wrongful Death Slip & Fall Automobile Accidents Trucking Accidents Motorcycle Accidents Medical Malpractice Criminal Defense Accident Injuries and Your Car Insurance Critical Details You
Have you or someone you know suffered a personal injury? TIPS TO MAXIMIZE COMPENSATION If you have suffered a personal injury it is important to consider all potential sources of compensation. A personal
Auto 1. What s the difference between Limited Tort and Full Tort Auto Insurance Policies? Limited Tort and Full Tort refer to different types of coverage under a auto insurance policy and what compensation
DEALING WITH POLICE MISCONDUCT OR EXCESSIVE FORCE IN WISCONSIN Written by: Jonathan S. Safran This guide attempts to answer some of the most common questions and provides a basic understanding of the steps
INJURY LAW ALERT SPRING 2007 ISSUE COLLISIONS WITH BIG-RIG TRUCKS We all know the feeling: that uncomfortable tightening of the chest we get when we look into our rearview mirror and see an 80,000-pound
How recent changes in the law will affect you. Know YOUR Rights. Auto Accident Basics. IN THIS ISSUE Working with an Adjuster: What NOT to sign. Page 3 Medical Expenses: How will my initial medical expenses
SUBROGATION THE RIGHT OF YOUR HEALTH INSURER TO BE PAID BACK WHEN YOUR CASE SETTLES Subrogation: the legal right of an insurance company to be paid back for benefits paid on your behalf after your accident.
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