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How Does Insurance Coverage Work In Commercial Truck Accidents?

Imagine you’re on your way home from a long day at work, driving down a busy Miami street. Suddenly, a Publix delivery truck swerves into your lane, crashing into your vehicle. In the blink of an eye, your life is turned upside down. As you struggle to recover from your injuries, you find yourself drowning in medical bills and insurance claims. If you’ve been hit by a commercial truck, you’re not alone. Knowing how insurance coverage works in these situations can make all the difference in getting the compensation you deserve.

The Soffer Firm has been voted Super Lawyers “Rising Star” and “National Trial Lawyers – Top 40 Under 40” multiple years because of how hard we work for our clients. We don’t get paid unless you get paid, and we have recovered millions for our clients. 

Our Florida personal injury lawyers help you navigate the complexities of your legal case. Call us today at (786) 788-7344

Understanding Commercial Truck Insurance Requirements

Commercial trucks, like Publix delivery vehicles, are subject to different insurance requirements than passenger cars. According to the Federal Motor Carrier Safety Administration (FMCSA), commercial trucks must carry a minimum of $750,000 in liability insurance. However, this amount can vary depending on the type of cargo being transported and the size of the truck.

In addition to federal regulations, Florida has its own insurance requirements for commercial trucks. Senate Bill 653, introduced in the 2024 legislative session, proposes increasing the minimum liability insurance for commercial trucks to $1 million. This bill aims to ensure that victims of truck accidents have access to adequate compensation for their injuries and damages.

The Role of a Miami Truck Accident Lawyer

Navigating the complex world of insurance claims and legal proceedings after a truck accident can be overwhelming, especially when you’re dealing with injuries and financial stress. That’s where a Miami truck accident lawyer comes in. An experienced truck accident attorney can help you understand your rights, gather evidence, and negotiate with insurance companies to ensure you receive fair compensation.

When choosing a truck accident lawyer in Florida, look for someone with a proven track record of success in handling commercial truck accident cases. They should have a deep understanding of both federal and state regulations governing the trucking industry, as well as the ability to investigate the accident thoroughly and identify all liable parties.

  1. Seek medical attention immediately after the accident, even if you don’t think you’re seriously injured. Some injuries may not be apparent right away, and delaying treatment can harm your health and your legal case.

  2. Contact a Miami truck accident lawyer as soon as possible. They can guide you through the process of filing an insurance claim and protecting your rights.

  3. Gather evidence from the scene of the accident, including photos of the damage, witness statements, and the police report. Your truck accident attorney can help you collect and preserve this evidence.

  4. Keep detailed records of your medical treatment, expenses, and any lost wages due to the accident. This documentation will be crucial in establishing the value of your claim.

  5. Be cautious when communicating with insurance companies. They may try to offer you a quick settlement that doesn’t fully cover your damages. Your truck accident lawyer can handle these negotiations on your behalf to ensure you receive the compensation you deserve.

Truck accidents involving commercial vehicles like Publix delivery trucks can be particularly complex due to the multiple parties involved. In addition to the truck driver, the trucking company, and their insurance providers, there may be other liable parties, such as the company responsible for loading the cargo or maintaining the vehicle. A skilled truck accident attorney near you can help identify all responsible parties and hold them accountable for your injuries and damages.

FAQs about Commercial Truck Accidents and Insurance Claims:

  1. What Should I Do If I’ve Been Hit By A Publix Delivery Truck In Miami?

If you’ve been involved in a truck accident with a Publix delivery vehicle in Miami, your priority should be seeking medical attention. Then, contact a Miami truck accident lawyer who can help you navigate the legal process and pursue compensation for your injuries and damages.

  1. How Much Insurance Coverage Do Commercial Trucks Like Publix Delivery Vehicles Typically Carry In Florida?

Commercial trucks in Florida are required to carry a minimum of $750,000 in liability insurance, according to federal regulations. However, proposed legislation in the state aims to increase this minimum to $1 million to protect accident victims better.

  1. Can A Truck Accident Attorney Near Me Help If The Accident Occurred In Another State?

Yes, many truck accident lawyers have experience handling cases that cross state lines. If you’re searching for a “truck accident attorney near me,” look for one with a proven track record of success in handling commercial truck accident cases, regardless of where the accident occurred.

  1. What Types Of Damages Can I Recover After Being Hit By A Publix Delivery Truck?

If you’ve been injured in a truck accident involving a Publix delivery vehicle, you may be entitled to compensation for medical expenses, lost wages, pain and suffering, and other damages. A skilled Miami truck accident attorney can help you determine the full value of your claim.

  1. How Long Do I Have To File A Lawsuit After A Commercial Truck Accident In Florida?

In Florida, the statute of limitations for personal injury claims, including those involving truck accidents, is two years from the date of the accident. However, it’s crucial to consult with a truck accident lawyer as soon as possible to ensure your rights are protected and your claim is filed within the appropriate timeframe.

Work with a Miami Truck Accident Attorney at the Soffer Firm 

Being hit by a Publix delivery truck can be a life-altering experience, leaving you with physical, emotional, and financial challenges. Understanding how insurance coverage works in these situations and having a knowledgeable Miami truck accident lawyer on your side can make all the difference in achieving a successful outcome. Don’t hesitate to seek the help you need to protect your rights and secure the compensation you deserve.

Our Florida personal injury lawyers help you navigate the complexities of your legal case. Call us today at (786) 788-7344