If you have recently been injured in a traffic accident caused by a negligent truck driver, you may have already seen lots of information online about filing a lawsuit over your injuries, which can understandably be an intimidating prospect. However, most of the time, filing a suit like this is a last resort after an auto accident rather than the first one. Instead, you may be better served filing a claim with one or more insurance companies representing the people involved in your wreck.
Of course, the process of filing a Prairieville truck accident claim can be complicated, just like the process of formally pursuing a lawsuit can be, and it can be hard to get the best possible result yourself. Fortunately, the compassionate truck accident lawyers at Tomeny | Best are here to help you understand how each stage of your claim will work and how to enforce your rights during each one effectively.
Who Can Receive a Truck Accident Claim?
While Louisiana state law does require all automobile owners to purchase at least a specified minimum amount of liability insurance coverage, the purpose of that is not to ensure auto accident victims have access to compensation through their own policy. Instead, liability insurance is structured so that people injured in a wreck involving the policyholder can file a claim against that policy, meaning that each individual person recovers compensation through someone else’s policy rather than their own.
When filing an insurance claim after a Prairieville truck crash, the injured person who needs to pursue the claim will generally be filing against the insurance policy held by the trucking company or, sometimes, the trucker involved in the wreck. However, determining which companies are involved in this sort of incident and what a specific policy covers can be deceptively tricky without guidance from a knowledgeable legal professional.
Time Limits for Truck Accident Claims
Technically, there are no hard time limits established by state law on how soon after a truck wreck in Prairieville someone injured in that wreck must file an insurance claim. Insurance companies expect to be notified about a claim as soon as possible after a crash occurs, and many set policy-specific deadlines that, if not complied with, may give them grounds to reject late-filing claimants immediately.
Once the claims process begins, the amount of time it takes to resolve can vary depending on the nature of the accident, how much evidence there is to establish fault for the accident, how severely the parties involved were injured, and what losses need to be addressed by the claim. However, it is worth noting that if insurance negotiations go on for longer than two years, the “statute of limitations” or “prescription period” may expire, meaning the insurance company would have no reason to continue negotiating since there is no risk of being sued.
A Prairieville Attorney Can Help With Filing a Truck Accident Claim
Whether you are pursuing compensation through insurance, a civil lawsuit, or a combination of both, the experience of filing a Prairieville truck accident claim can be intensely stressful. While support from legal counsel cannot guarantee a positive result from every claim, getting a capable lawyer’s help will always give you better chances of getting paid fairly than you would have if you tried to handle your claim alone.
A member of the Tomeny | Best team can discuss your options and possible next steps in more detail during a free confidential consultation. Schedule yours by calling today.
