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What should I do if a company truck hits my car, but they do not want to involve insurance?

On Behalf of | Jun 28, 2024 | Truck Accidents |

18-wheeler accidents can be catastrophic. According to the Kentucky Office of Highway Safety, although commercial trucks accounted for just over 4% of all motor vehicle collisions in the state, they were responsible for more than 9% of all traffic-related fatalities. This statistic highlights the severity of these accidents.

Even if passengers can walk away from the accident, the damage to the vehicle and potential for injuries remains high due to the simple physics of the crash as these vehicles often weigh significantly more than a typical car. Workers who operate these big rigs may want to avoid brining in insurance after an accident out of fear of repercussions from their employer or a history of past accidents.

Whatever the explanation the driver uses for wanting to avoid using insurance, it is generally not a good idea for the following reasons:

  • Legal protection: Reporting the accident to your insurer ensures that you comply with legal requirements. Failing to do so could lead to penalties or complications down the line.
  • Coverage verification: Your insurance policy may cover expenses related to the accident, such as repairs, medical bills, and rental cars. By involving insurance, you can verify coverage and explore available options.
  • Liability: Dealing directly with the other driver might seem simpler, but it leaves you vulnerable. The other driver or their company may fail to follow through — leaving you on the line for all related expenses.
  • Documentation: Insurance companies create a formal record of the accident. This documentation is valuable if disputes arise or if you need to pursue legal action.

Remember, involving your insurance company is about safeguarding your interests and ensuring a smoother resolution. These cases are complex, and it is often wise to bring in an attorney who is experienced navigating the legal process with commercial trucking companies.