Truck accidents

Truck Accident Injury Claims

Commercial truck crashes involve federal rules, multiple insurers and evidence that is routinely overwritten. Here is what to know before you talk to the trucking company's insurer.

A loaded tractor-trailer can weigh 20 to 30 times as much as a car, so truck crashes tend to cause severe injuries. They are also legally different from ordinary car accidents: the driver, the motor carrier, the cargo loader, a maintenance contractor and a parts manufacturer can each share responsibility, and federal safety regulations create records that can prove what went wrong. Trucking insurers typically send investigators to the scene within hours, so the injured person is at a disadvantage from the start.

When to ask an attorney to assess the case

These situations commonly justify a free consultation. None of them means you have a valid claim; that is for an attorney to assess.

  • Anyone was seriously injured or killed, or the crash involved a semi, tanker, delivery truck, bus or other commercial vehicle.
  • The trucking company or its insurer has already contacted you, offered money or asked for a statement.
  • You suspect driver fatigue, speeding, an unsecured load, a mechanical failure or an impaired driver.
  • The truck was operated by an out-of-state carrier or several companies (owner, lessor, broker, shipper) are involved.

Facts and evidence that matter

  • The truck's electronic logging device data and driver logs, which show hours driven against federal limits.
  • Engine control module and dash-cam data, dispatch records, bills of lading and weigh-station tickets.
  • The driver's qualification file, drug and alcohol test results after the crash, and the carrier's inspection and maintenance records.
  • The police report, any state or federal post-crash inspection, and the carrier's safety history in FMCSA's public records.
  • Your medical records, bills, lost-wage documentation and photographs of the vehicles and scene.

How state law affects the claim

Personal injury law is state law. The examples below name Georgia and Tennessee because those states have dedicated guides on this site; your own state's rules may differ.

  • Fault is apportioned under the state's comparative fault rule, and with several potential defendants the percentages assigned to each party can decide who pays. Georgia's 50 percent bar and Tennessee's less-than-the-defendant rule both apply here.
  • Some states allow a claim against the carrier for negligent hiring, training or supervision separately from the driver's negligence; others merge the two once the carrier admits the driver was on the job. This affects what evidence can be presented.
  • Punitive damages for reckless conduct, such as knowingly running drivers beyond legal hours, are available in some states and capped or barred in others.

State guides: Georgia, Tennessee.

Deadlines and early notices

There is no national personal injury deadline. Each state sets its own statute of limitations, and separate notice rules often apply to claims against government bodies. Missing a deadline usually ends the claim.

  • The lawsuit deadline follows the state's personal injury statute of limitations: two years in Georgia, one year in Tennessee, and different periods elsewhere.
  • Evidence deadlines are shorter than legal deadlines. Federal rules only require carriers to keep driver logs and supporting documents for six months, and onboard data can be overwritten in days. A written preservation (spoliation) letter should go out as early as possible.
  • If a government vehicle or road defect is involved, written notice to the government body may be due within months.

What compensation may cover

  • Hospital care, surgery, rehabilitation and long-term or lifetime medical needs.
  • Lost income and diminished future earning capacity.
  • Pain, suffering, disability and disfigurement.
  • Life-care costs such as home modifications and attendant care for catastrophic injuries.
  • Wrongful death damages for surviving family members where a crash was fatal.

What can limit recovery

  • Your own share of fault, for example an unsafe lane change or following too closely near a truck.
  • Lost or overwritten electronic evidence if no preservation demand is sent quickly.
  • Disputes over which company employed or controlled the driver, which can delay or shrink recovery.
  • Early settlement offers made before injuries are fully understood.

How fees and expenses work

Most personal injury attorneys work on a contingency fee: a percentage of any settlement or verdict, with no fee owed if there is no recovery. Case expenses (filing fees, records, experts, depositions) are separate. Some attorneys advance them and deduct them from the recovery; others may ask you to repay them even if the case is lost. Read the written fee agreement before signing, and ask how expenses are handled. Truck cases often require accident reconstruction and trucking-industry experts, so expenses can be significant; ask specifically who bears them if the case does not succeed.

Frequently asked questions

Who can be held liable in a truck accident?

Potentially the driver, the motor carrier that employed or leased them, the owner of the tractor or trailer, the company that loaded the cargo, a maintenance contractor, a parts manufacturer, and in some cases the broker or shipper. Which parties are actually responsible depends on the facts and the state's law on employer and contractor liability.

What federal rules apply to truck drivers?

Interstate carriers must follow Federal Motor Carrier Safety Administration regulations. Property-carrying drivers are limited to 11 hours of driving within a 14-hour window after 10 consecutive hours off duty, must take a 30-minute break after eight hours of driving, and must observe 60- or 70-hour weekly limits. Carriers also have driver qualification, drug testing, and inspection and maintenance duties.

Should I speak with the trucking company's insurer?

You are not required to give a recorded statement to another party's insurer. Trucking insurers investigate immediately and anything you say can be used to assign fault to you. Many people choose to consult an attorney first; the initial consultation is usually free.

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