The Severity of Trucking Accidents: What to Do When Denied Insurance Coverage

RICHARD J. VALLE | VOZH New Mexico Best Personal Injury Attorney Lawyer
Richard J. Valle
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CRIOSTOIR CHRIS O’CLEIREACHAIN | VOZH New Mexico Best Personal Injury Attorney Lawyer
Criostoir (Chris) O'Cleireachain
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MATTHEW J. ZAMORA | VOZH New Mexico Best Personal Injury Attorney Lawyer
Matthew J. Zamora
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ANDREA D. HARRIS | VOZH New Mexico Best Personal Injury Attorney Lawyer
Andrea D. Harris
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Trucking accidents can be catastrophic events, resulting in serious injuries, property damage, and even loss of life. When involved in a trucking accident, the aftermath can be overwhelming, both physically and emotionally.

To make matters worse, some victims find themselves facing yet another challenge – having their insurance claims denied. In this blog post, we will explore the severity of trucking accidents and what to do if you find yourself in a situation where your coverage has been denied. If you are in such a predicament, a bad faith insurance lawyer may be your best ally in seeking justice. 

The Severity of Trucking Accidents 

Trucking accidents are among the most severe and devastating on our roads. These accidents involve massive vehicles, often weighing up to 80,000 pounds when fully loaded. When a collision occurs between a truck and a smaller vehicle, the consequences can be catastrophic.  

Here are some reasons why trucking accidents are particularly severe: 

Size and Weight Disparity 

Trucks are significantly larger and heavier than most other vehicles on the road. When they collide with smaller vehicles, the impact can cause devastating damage and injuries. 

Higher Speeds 

Trucks often travel at higher speeds on highways, making the force of impact even more significant in accidents. 

Longer Stopping Distances 

Trucks require much more distance to come to a complete stop compared to passenger cars. This means they have less time to react to sudden changes in traffic conditions. 

Cargo Hazards 

In many trucking accidents, the cargo being transported can spill or become a hazardous obstacle on the road, posing additional risks to other drivers. 

Driver Fatigue 

Long hours on the road and tight delivery schedules can lead to driver fatigue, increasing the likelihood of accidents caused by drowsy driving. 

What to Do If You Are in a Trucking Accident 

When you’re in a trucking accident in New Mexico, it’s important to take the correct steps to avoid denied coverage from an insurance company. 

Seek Medical Attention 

The first and most crucial step after a trucking accident is to seek immediate medical attention, even if you feel fine. Some injuries may not be immediately apparent but can be severe. Additionally, having a medical record will be essential for your insurance claim. 

Report the Accident 

Contact the police and report the accident. An official accident report can serve as crucial evidence in your claim. 

Gather Evidence 

If it is safe to do so, gather evidence at the scene. Take photos of the vehicles involved, the accident site, and any visible injuries. Collect contact information from witnesses. 

Notify Your Insurance Company 

Contact your insurance company promptly to report the accident. Provide them with all the necessary information and documentation. 

Consult with an Attorney 

If your claim is denied or you encounter difficulties with your insurance company, it may be time to consult with a bad faith insurance lawyer such as the team at VOZH Law. 

Dealing with Denied Coverage 

In some unfortunate situations, your insurance claim may be denied by your insurance company. This denial can be based on various reasons, including disputes over liability or the extent of your injuries. When faced with a denied coverage situation, it's essential to take the following steps: 

Review Your Policy 

Carefully review your insurance policy to understand the terms, coverage limits, and exclusions. An attorney can help you with this process. 

Contact Your Insurance Company 

Reach out to your insurance company to understand the reason for the denial. Request a written explanation. 

Gather Evidence 

Collect all relevant documentation, including medical records, accident reports, and correspondence with your insurer. 

Consult a Bad Faith Insurance Lawyer 

If you believe your claim was wrongfully denied, it's time to seek legal representation. A bad faith insurance lawyer such as any of the attorneys at VOZH Law, specializes in cases where insurance companies act unfairly or unreasonably. If you are concerned about cost, VOZH Law works on contingency, which means our firm covers all the costs of the lawsuit and trial. When the lawsuit is won, we take our fees from the awarded damages. 

Legal Action 

The attorneys at VOZH will help you file a lawsuit against your insurance company. Our team will work to prove that the denial was in bad faith and not based on valid reasons. VOZH attorneys are experienced trial lawyers, who don’t settle for scraps from the insurance company for our clients. Our team is dedicated to finding justice for every client. 

Get Help for Denied Coverage  

Trucking accidents are among the most severe on our roads, and the aftermath can be physically, emotionally, and financially overwhelming. If you find yourself in the unfortunate position of having your insurance coverage denied, it's crucial to take the appropriate steps to protect your rights and seek justice. Consulting with a bad faith insurance lawyer can make a significant difference in your ability to obtain the compensation you deserve. Remember, you don't have to face these challenges alone; the legal professionals at VOZH Law are here to help you navigate the complex world of insurance claims and denials. Contact us today for a free consultation. 


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