Texas – May 4, 2021

Multiple tractor-trailers flipped on a Texas Interstate causing injury to eight people and damage to structures in Waxahachie Texas, South of Dallas.  Three tractor trailer drivers suffered serious injury and one was hospitalized, in addition to five others.  According to the National Weather Service, tornado winds may have contributed to the collision.  Two tractor-trailers were pushed into the center barrier from the southbound lanes and one from the northbound lane was pushed into a field.  When injury occurs after a big rig collision in Texas a truck accident attorney can guide victim’s actions toward damage recovery by filing insurance claims and initiating civil action when necessary.

Coverage limits.

Drivers should know their policy limits and deductibles, which will be adjusted against fault for a tractor trailer accident.  Tractor trailer accidents are usually catastrophic in nature and policy limits may easily be exceeded, necessitating the services of a truck accident attorney to initiate legal action after insurance claims have been fully paid out.  Understanding the different types of coverage and how the funds are applied is important for accident victims.

Insurance responsibility.

Texas is a “fault state” which means that the party found to be responsible for the accident will have to compensate the other party involved in the accident. Texas utilizes the 51% rule, whereby an injured person can be up to 50% responsible for an accident and still collect damages, but if an individual is more than 51% responsible for the accident, there will be no recoverable compensation.  Always call the police when an injury or fatality occurs, the vehicle cannot move, a driver has no insurance, a driver leaves the scene, or a driver is operating vehicle under the influence. Accident lawyers can explain how compensation may address medical bills, lost wages, property replacement, pain, and suffering, along with loss of companionship and future earnings in wrongful death actions.

Types of coverage.

The United States Department of Transportation, 49 C.F.R. part 387, subpart A,  mandates minimum levels of financial responsibility to address tractor trailer accident losses.

  • Medical Payments / PIP stands for Personal Injury Protection.  This coverage helps pay medical bills for injuries resulting from a traffic accident.  Usually this coverage will pay toward your medical costs regardless as to whether the accident was your fault or not.
  • Property Damage —This coverage is designed to pay for the damage a vehicle causes to someone else’s property.  This is usually used to pay for the damage done to the other driver’s vehicle, but it can also cover other types of property, such as houses, boats, personal property, etc., as long as the damage is a result of the accident.
  • Bodily Injury —Sometimes listed as “BI” in your insurance information, this is one of the most important parts of insurance coverage that pays for the other party’s medical bills and costs resulting from the accident instead of for the property.
  • Collision Coverage —This is similar to Property Damage except that it covers damage done due to collision with another vehicle or object, but damages are covered to insured’s property.
  •  Comprehensive Coverage —This is an additional coverage that covers damage to your car not caused by traffic accidents.  This coverage is useful if you are in an area that is prone to flooding, vandalism, earthquakes, or other disasters.

Seek legal counsel.

Forty-Nine Thousand fatal crashes involving large trucks occurred in the United States in 2018 necessitating the services of accident attorneys who initiate action toward comprehensive damages for surviving families, as well as injured motor vehicle accident victims. Texas truck accident attorneys can explain the impact of outside factors on a multi-vehicle truck accident.

 

Cooper Law Firm
N. Eric Cooper
Address: 501 N Third St,
Longview, TX 75601

Telephone ; (903) 297-0037
Toll-Free: 1-855-297-HURT (4878)
Facsimile: (903) 236-0035

Sources.

https://www.fmcsa.dot.gov/regulations/title49/section/387.1

https://www.ksat.com/news/texas/2021/05/04/stormy-weather-causes-major-wreck-on-interstate-35-in-north-texas/

https://statutes.capitol.texas.gov/Docs/CP/htm/CP.16.htm#16.003

https://statutes.capitol.texas.gov/Docs/CP/htm/CP.101.htm

https://statutes.capitol.texas.gov/Docs/CP/htm/CP.41.htm

https://statutes.capitol.texas.gov/docs/TN/htm/TN.550.htm

https://statutes.capitol.texas.gov/Docs/CP/htm/CP.71.htm

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