Semi truck accidents can cause severe harm, especially when there is not enough insurance coverage. In Indiana, people hurt in these accidents often struggle to get fair compensation, especially if the other driver does not have enough insurance.
Common gaps in semi-truck insurance coverage
Indiana law mandates that all commercial truck drivers must have liability insurance, but this does not guarantee full coverage. If the truck driver does not have insurance or has too little, the injured parties might find it hard to pay for medical bills, lost wages, and property damage.
Another issue arises when insurance policies have low liability limits. Trucking accidents can cause extensive damage that surpasses these limits, leaving those injured without enough compensation. In Indiana, the minimum bodily injury liability coverage is $25,000 per person and $50,000 per accident. These amounts can fall short in serious accidents.
Seeking adequate compensation
Individuals injured in accidents have several options to seek fair compensation. First, they should have enough uninsured/underinsured motorist (UM/UIM) coverage in their own policies. This coverage can be crucial if the at-fault party’s insurance isn’t enough. Those injured can also consult with a lawyer who knows about truck accidents. They can take legal action against the trucking company or other parties involved, which may include maintenance providers or manufacturers who could share responsibility for the accident.
Bridging the coverage gap
To protect themselves, Indiana drivers should check their insurance policies often and make sure they have good UM/UIM coverage. Knowing their rights can allow injured parties to seek the compensation they deserve with Merrillville, Indiana Semi Truck Accidents.