Truck accidents are scary – and they can be far more devastating than a standard car crash. The sheer weight and size of commercial trucks mean the impact can result in harsher injuries, more damage, and a more complex recovery process overall.
Knowing how to respond after a truck accident is crucial. Having the ability to make quick, informed decisions and actions can protect your health, finances, and legal rights.
Learn what to do, who to call, and how to best protect yourself following a truck accident. Being prepared and knowing what to do can make all the difference in protecting your future and building a strong legal case.
How Common are Trucking Accidents?
Trucking accidents are more common than many people realize – and Oklahoma is no exception. According to the Oklahoma Highway Safety Office, hundreds of large truck accidents occur on Oklahoma roads and highways each year. In 2020 alone, Oklahoma reported 4,784 crashes involving large trucks, resulting in 75 fatalities and over 1,500 injuries.
Because of the size, weight, and speed of commercial trucks, trucking accidents can result in more severe consequences than normal vehicle accidents. A fully-loaded semi can weigh up to 80,000 pounds, take much longer to come to a full stop, and has large blind spots that reduce visibility. The results of a collision can be catastrophic.
Common causes of trucking accidents include:
- Driver fatigue
- Speeding
- Distracted driving
- Mechanical or maintenance failure
- Improper loading or improper load size
- Inexperienced or undertrained drivers
What To Do Immediately After a Truck Accident: Step-by-Step
Here's what to do right after being involved in a truck accident:
1. Ensure everyone's safety.
Move to a safe location if possible and turn your hazards on.
2. Call 911.
Request first responders to assess injuries and file a police report.
3. Don’t admit fault.
Only discuss details with the police and your lawyer. Avoid discussing details with others at the scene.
4. Document the entire scene.
Take photos of any vehicle damage, road conditions and environment, visible injuries, and the truck information (license plate, company logo, and DOT number).
5. Get contact information.
Exchange names, phone numbers, and insurance information with the truck driver and any witnesses.
6. Call your attorney before speaking to insurance adjusters.
Don't give statements or agree to anything without legal guidance. You don't want to say anything that might hurt your case before it's even built.
7. Notify your insurance company.
File a basic report with your insurance, but avoid giving detailed statements without legal guidance.
Who To Call After a Truck Accident
Here's who to call and why:
- 911 – For first responders, including police and emergency medical response.
- Your attorney -- Legal counsel will help protect your rights and help you begin moving forward.
- Your insurance company – To begin your claim after speaking with your attorney.
- A medical professional – Even if you feel okay at the time, it is important to get checked out by a medical professional. Not all injuries show up immediately, and the medical records will also help support your claim.
How to Prepare Before an Accident Happens
You can't control when an accident might happen, but you can be as prepared as possible. Here's how you can stay ready:
- Keep your insurance and ID in your glove box. Quick access can save you time and reduce stress in an emergency.
- Ensure you're carrying the proper insurance coverage – including uninsured/underinsured motorist protection. This coverage can help protect you financially if the other driver is not carrying the adequate insurance.
- Have a trusted attorney’s contact saved to your phone. Know who to call before you actually need them – you don't want to be scrambling to find legal help under pressure.
The Legal and Claims Process
Truck accident claims can be far more complex than typical car accident claims. That's because:
- There may be multiple parties at fault – the driver, the trucking company, the manufacturer, the maintenance provider, etc.
- Federal regulations apply – the trucking industry is highly regulated by federal laws that may impact your case.
- Commercial insurance policies carry higher limits – and often involve much more aggressive legal defense.
The typical legal process for a claim includes:
- Initial consultation – Meet with a lawyer to review your case
- Investigation – Your lawyer will gather records, evidence, and witness statements to build your claim.
- Filing the claim – Your lawyer will submit your claim to the insurance companies or file a lawsuit if needed.
- Negotiation/litigation – If the case doesn't settle, your lawyer will fight for you in court.
Why You Should Hire a Lawyer
Truck accidents are serious and involve complex legal issues. An experienced attorney can:
- Investigate the crash
- Collect and preserve evidence, records, and bills
- Communicate with involved insurance companies on your behalf
- Maximize your compensation for injuries, damages, and wages lost due to the accident
Trying to navigate a truck accident claim alone can result in missed deadlines, lost evidence, or lower compensation. Having the right lawyer can help you navigate the legal complexities in the midst of the aftermath of a crash.
The Bottom Line
A truck accident can impact your entire life in a matter of seconds – physically, financially, and legally. But you don't have to go through it alone.
Knowing what to do, who to call, and how to protect your case can make all the difference. With the right legal assistance on your side, you can focus on healing and recovery while they focus on fighting for the justice you deserve.