subject: Steps To Make A Tractor Trailer Insurance Claim 1-800-513-3135 [print this page] The purpose of getting tractor trailer insurance is to minimize whatever financial burden a tractor owner will suffer in an accident. Getting coverage will have a substantial effect in assisting a policy holder.
It would be easy if things were simple. Why? For most times an accident takes place, tractor trailer insurance providers are not willing to pay up. Instead, they look for reasons to avoid being made to pay the proceeds of a contract to the client. Some even resort to dirty or illegal tactics just to get their way to the detriment of the poor victim. To avoid this, here are some steps to get paid.
Step one: Make a detailed documentation of the accident. You can do this by taking clear photographs of the accident and the damage extent on your vehicle. Take photos also of any other piece of property that may have been damaged, such as another persons tractor in case of a collision, or a wall or post in case no other vehicle was involved. Make sure also that you get to speak with a traffic cop who made the report and get yourself a copy.
Step two: Get witnesses. Take down some names and ask them what they saw. They will come in handy should a lawsuit result from the insurers refusal to deliver payment, but of course, they should be willing. You run the risk of being sued yourself if you pester people unwilling to testify for you. If you can, get their sworn statements. It would help if you have a lawyer-friend.
Step three: File your claim. Contact your tractor insurance agent or provider and let them know personally and in writing that you have figured into an accident and are now staking a claim on the policy proceeds. Brace yourself for some grilling at this point. They will conduct an investigation and will try to overturn your claim. This is where your documentation comes in. The photographs and the statements you took will be attached to a form and will serve as proof of your valid claim.
Step four: when all else fails, let them know that you are considering filing a lawsuit. No, this is not blackmail. It is simply giving them an opportunity to do what is right provided of course, that you have a valid right to be compensated. If they refuse, then go on and file a tractor insurance claim in court.
There are several kinds of tractor insurance. Collision insurance deals precisely with vehicular collisions and is the most common coverage type being sold all over the US. Depending on your class and on limits set on your license by state laws, you will only be able to avail of certain types of insurance. The government does not require you to get a particular kind of indemnity coverage for as long as you do get one.
What you are avoiding here is you having to shoulder all costs out of your own pocket when the insurer should clearly pitch in. These steps are meant to guide your way in staking your right.
by: denniscrispin41
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