Maryland experiences significant traffic from semis, 18-wheelers, and other large commercial vehicles due to its location as a hub for I-83, I-95, and I-70, among other major US interstate highways. However, this high volume does put motorists at risk of serious truck accidents. The Federal Motor Carrier Safety Administration (FMCSA) reports more than 180 truck crashes every year, leading to 5 fatalities and 240 injured victims annually.
If you were involved in a collision, a top priority should be consulting with a Maryland truck accident attorney who can help you pursue at-fault parties for fair compensation. It is also helpful to review a few facts about truck accident insurance claims.
How Truck Accident Insurance Claims Work in Maryland
After a truck accident in Maryland, the insurance claim process begins with identifying the at-fault party. Maryland follows a contributory negligence rule, meaning if you are found even 1% at fault, you may not recover damages. Insurance companies will investigate the crash, collect evidence, and assign liability. Plus, victims often deal with commercial insurers, which can complicate the claim.
It’s essential to provide complete documentation, including police reports, medical bills, and witness statements, to support your case and maximize your chances of compensation.
Types of Insurance Coverage in Maryland Truck Accident Cases
Truck accident cases in Maryland may involve several insurance policies. For instance:
- The truck driver may be covered by a commercial auto policy.
- The trucking company may carry liability insurance and cargo insurance.
- There may be additional coverage, like umbrella policies.
Who Pays for Damages After a Truck Crash in Maryland?
Determining who pays for damages depends on fault and insurance coverage. The trucking company, the driver, and even third parties like maintenance contractors could be held liable. Maryland law allows injured parties to file claims against all responsible parties, but the contributory negligence rule makes proving zero fault essential.
Once liability is established, the responsible party’s insurance should cover:
- Medical expenses
- Lost wages
- Pain and suffering
What to Do Before Filing Truck Accident Insurance Claims
To start, call 911 and seek medical attention immediately, even for minor injuries. Depending on the severity of your injuries, you should also:
- Gather as much evidence as possible.
- Photograph the accident scene, vehicle damage, and injuries.
- Get contact details for witnesses and the truck driver.
- Request the police report.
Importantly, you should avoid discussing fault with insurance adjusters. Keep in mind that working with a Maryland truck accident attorney early can help you avoid costly mistakes.
Consult with a Baltimore County, MD Truck Accident Lawyer Today
It’s helpful to know about insurance claims after a truck accident, but legal help from a professional is crucial. Our team at the Law Offices of Michael A. Freedman has extensive experience handling complex truck crash claims throughout Maryland, and we are conveniently located in Owings Mills and Glen Burnie, MD. We are ready to deal with insurers and fight for the compensation you deserve, so reach out to discuss your case with a knowledgeable attorney. You can visit us online or call 410.363.6848 to schedule your free consultation today.
