Truck accidents can cause serious medical injury and property damage, so they can have enormous costs. Often, truck accident victims in the Carolinas will allow insurers to determine the value of their claim, and the injured party will accept the first settlement offer they get. This can be a big mistake because insurers will leave out any coverage they can to reduce the amount they pay out to claims.
Those injured in a truck accident in North Carolina or South Carolina should know the exact amount of their losses — called “damages.” Calculating this amount ensures they will be fairly compensated for their accident and that they won’t be left paying for costs that should have been covered.
Working with a truck accident lawyer in the Carolinas allows you to have an experienced professional on your side to estimate the full value of your claim. A seasoned attorney will know how to document damages, estimate future expenses, and provide the types of evidence insurers look for when weighing whether to cover a specific loss area. Call Auger & Auger at (855) 969-5671 or contact us online to schedule a free, no-obligation case review with a truck accident lawyer near you. We have over two decades of experience representing victims during claims and lawsuits.
When building a case, here are some of the most common damages categories we look to in order to assess the full value of a truck accident injury claim.
Medical Expenses — Past and Future
Motor vehicle accidents are a leading cause of nonfatal injury and emergency room visits, says the U.S. Centers for Disease Control (CDC). Since truck accidents are disproportionately likely to cause a serious injury or death, a truck accident has an even higher chance of landing you in the emergency room and causing you to generate some serious healthcare treatment costs.
An insurance settlement from the truck company’s third-party liability policy will pay for your past medical treatment costs. It should also cover the future costs of your injury treatment, including prescriptions, physical rehabilitation, needed devices, and more.
Common coverage areas for medical treatments after a truck accident include:
- ER visit fees
- Diagnosing doctor’s fees
- X-rays and tests
- Ambulance transport
- Ambulatory services
- Follow-up visits
- Prescriptions and necessary medical devices
- Sometimes, psychological counseling for traumatic events
Your “lost wages” portion of your claim represents the income you were unable to earn while recovering from your injury. Actuaries calculate the value of lost wages by comparing your average earnings in the months before your truck accident with your earnings in the days and weeks immediately proceeding your collision.
Proving your lost wages can sometimes be difficult if you are self-employed, earn income through commissions, or otherwise have inconsistent income. A truck accident lawyer in South Carolina or North Carolina can assist you with documenting your average earnings prior to the wreck and proving your losses afterward, allowing you to make a claim just as someone with a consistent paycheck would.
In cases where the injured party is too hurt to return to their old job, your injury claim could compensate you for any long-term reduction in income levels, subject to policy limits.
Your property damage claim includes vehicle repairs and personal item replacement, such as if your smartphone got smashed in the accident.
Pain and Suffering, And Other General Damages
If your accident was traumatic and your injuries were severe, you are going to experience pain and suffering as a consequence of your big truck collision. Insurance policies are supposed to compensate you for these non-monetary losses in proportion to the severity of the accident and your injuries.
Insurers use different formulas to calculate pain and suffering. Many will multiply the existing damages by a percentage, whereas others will place case factors into a rubric to determine an appropriate compensation range.
Commercial Insurance Policy Limits
In some car accident scenarios, the crash victim has more damages than the maximum policy limit can pay. However, big trucks and other heavy commercial vehicles have to carry at least $750,000 in coverage, per federal regulations, and most carry $1 million or more. This reduces the chances that you will have unpaid damages in your accident, but some insurers will argue that coverage in certain areas is limited. Working with a truck accident lawyer in the Carolinas can allow you to review the specific language of the policy and dispute whether or not certain requested damages should be covered based on stated limits and coverage limitations.
Talk to Experienced North Carolina or South Carolina Truck Accident Lawyers, And Learn the Full Value of Your Damages
Attorneys who have handled many cases like yours have the knowledge and experience necessary to know what’s covered and how to best calculate your total losses.
Learn more about what could be covered in your accident and how to best estimate your total damages during a free, no-obligation case review at Auger & Auger. Call (855) 969-5671 or contact us online to schedule your free appointment now.