No matter how careful truck drivers are they are placed in many circumstances where an accident could easily occur, requiring the need for truck insurance coverage. It is important that all drivers know how to file a truck insurance claim and what they should do at the scene of an accident.
After the driver files the insurance claim their insurance provider will send out a claim adjuster to inspect the damages. The claim will then be processed and payments will be made. To make this process go as smoothly as possible have at hand: your story, stories of the other drivers involved, the police report, eyewitness accounts, and the physical damage at the scene.
Right after an accident you should first evaluate the safety of the situation. Call emergency services, such as 911. Provide medical assistance to those in need only if you are trained.
Obtain contact information, license plate numbers and insurance information from the other parties involved in the accident. All the information you need should be on the insurance card that drivers are required to carry.
Record the accounts of any witnesses at the accident. If the severity of the accident prevents this don’t worry. The police will be gathering testimonies too.
Call your insurance provider. Tell them about the accident and begin the process of filing an insurance claim. Your provider will inform you of any other steps that need to be taken.
After you file the claim, a claim adjuster will come and determine the value of the damage to your truck and cargo. Your insurance provider will then issue payment to cover repairs needed or to cover the loss of merchandise or equipment.
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