Truck accidents often result in serious injuries, major property damage, and life-changing disruptions. If you’re recovering from a collision in Dallas–Fort Worth, one of the most important—and often frustrating—steps is dealing with the insurance companies involved. What you say, how you document the incident, and when you get help can all impact your ability to recover fair compensation.
Below are the key steps to protect your rights and strengthen your insurance claim after a truck accident in Texas.
1. Focus on Safety and Seek Immediate Medical Attention
Before anything else, take care of your health. Call 911 and accept medical evaluation at the scene, even if you think your injuries are minor. Prompt treatment ensures your safety and creates medical records that may support your claim later.
2. Notify the Insurance Companies Promptly and Carefully
Report the accident to your insurance company and the trucking company’s insurer as soon as possible. Stick to the facts—avoid assigning blame, speculating, or making emotional statements. Anything you say could be used to reduce your compensation later.
3. Collect and Preserve Key Evidence
Start building your documentation early. Useful information includes:
- The truck driver’s license and insurance details
- The name of the trucking company
- Police reports and crash numbers
- Photos of vehicle damage, injuries, and the crash site
- Contact info for eyewitnesses
These records can strengthen your position when negotiating with insurance adjusters.
4. Be Cautious With Insurance Adjusters
Insurance representatives are trained to minimize payouts. If you’re contacted for a recorded statement, you have the right to decline or delay until you’ve spoken with an attorney. Only provide essential, factual information. Avoid guessing or commenting on fault.
5. Track Medical Bills and Other Expenses
Keep detailed records of all costs tied to the crash. This includes:
- Emergency care and hospital bills
- Physical therapy and long-term treatment
- Vehicle repair or replacement estimates
- Lost wages from time off work
- Out-of-pocket costs (e.g., transportation, prescriptions)
This documentation helps quantify your total losses.
6. Understand Insurance Coverage and Policy Limits
Multiple layers of insurance typically cover commercial vehicles. Learn the policy limits for:
- Your own insurance
- The trucking company’s liability policy
- The driver’s individual policy (if applicable)
- Any umbrella or excess coverage
Understanding these limits is key to calculating your potential recovery.
7. Evaluate Settlement Offers With Care
Insurance companies may offer a quick payout—but initial offers often undervalue long-term costs, such as rehabilitation, lost income, or future medical care. Never accept or sign anything without a full understanding of what you’re entitled to. If you’re unsure, consult a truck accident lawyer before responding.
8. Be Patient but Proactive Throughout the Process
Claims involving commercial vehicles can take time. Multiple parties may be involved, from the trucking company to third-party maintenance providers. Follow up regularly, stay organized, and maintain a professional tone in your communication. Patience, persistence, and preparation go a long way.
9. Don’t Wait to Talk to a Truck Accident Attorney
Truck accident claims are more complex than typical car crashes. A skilled attorney can:
- Investigate the trucking company’s safety history
- Preserve time-sensitive evidence like driver logs or black box data
- Communicate directly with insurance adjusters on your behalf
- Help you understand what a fair settlement looks like
Legal Help After a Truck Accident in Dallas–Fort Worth
Truck accident claims aren’t just about paperwork—they’re about protecting your future. If you’ve been injured in a commercial vehicle crash in Dallas–Fort Worth, you deserve an advocate who understands how to deal with insurance companies and who won’t back down when your recovery is on the line.
At Rochelle McCullough, we help individuals and families throughout Texas pursue full and fair compensation after serious truck accidents. Let us take the burden off your shoulders. Contact us today for a free consultation.