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Truck Accidents

When a Louisiana Truck Accident Claim Results from Distracted Driving

Posted on 5/10/2011St.John the Baptist Parish Truck Wreck Injures One
Posted on 4/23/2011Bush Louisiana Wreck Kills One
Posted on 4/22/2011Fatal Car Wreck in Desoto Parish Louisiana
Posted on 4/11/2011Satsuma, Louisiana wreck kills One

Truck Accidents

Louisiana Truck Accident Attorney Explains How Driver Distractions can Warrant a Claim (Part B)

Is The Truck That Wrecked Your Car in Louisiana Well Insured?

Insuring a tractor-trailer in Louisiana is not cheap. The driver's age and driving record as well as the equipment's age and condition all come into play, but the independent truck owner-operator can be expected to pay close to $10,000 per year for the various insurance policies necessary to operate a commercial truck. Motorists have a right to be concerned about the way motor carriers and owner-operators cover their third-party liability, because this is where their compensation will come from after a serious truck accident in Louisiana.

Liability insurance
Federal law requires independent owner-operators and motor carriers to have third-party liability coverage of no less than $750,000. Most trucking industry professionals recommend that the limit be increased to at least $5 million. Some 18-wheeler crashes can be devastating, inflicting not just extensive material damage, but also life-changing or fatal injuries. Whereas most motor carriers who have a leasing agreement with independent owner-operators carry liability insurance on their behalf, some independent owner-operators need to take insurance themselves.

Cost and Risks
Faced with the high cost of paying for adequate insurance year after year, both independent truckers and motor carriers could be tempted to limit their liability coverage to the legal minimum. This can have severe consequences for victims of truck accidents, who might recover only a small part of the damage they have suffered.

Lawsuit
If a driver's third-party insurance is insufficient, victims' only hope to obtain just compensation is to file a lawsuit against the truck owner or motor carrier. Claims and lawsuits against truck owners, motor carriers and their insurers are best handled by an experienced and determined truck accident lawyer. Your lawyer should take immediate action to:

Investigate the circumstances of the crash, collect evidence and prove fault;
Untangle the contractual links and responsibilities pertaining to the truck driver, motor carrier, trailer owner, cargo owner, truck manufacturer and their insurers, in order to maximize the potential for obtaining compensation for injuries, loss of income, pain and suffering and material damage.

If you have been hurt in a Louisiana car, truck or motorcycle crash, contact the New Orleans accident attorneys of the Young Firm immediately for a free, no-commitment evaluation of your case. Also order now our FREE lawyer book, "A Guide To Steering Through a Serious Vehicle Accident in Louisiana."