Here, a great article on commercial vehicle insurance merits the attention of every reader, particularly those operating commercial vehicles. Whether the fleet involves only one or two company cars or a complete lineup of delivery trucks and 18-wheelers, the subjects covered in the piece provides valuable information. Not only business owners but the public at large should know about the issues involved in commercial vehicle insurance and liability.
Drivers at both ends of the equation need to understand where responsibility falls in the event of an accident. Circumstances connected with road conditions, vehicle condition, and driver experience all play roles in determining who is at fault.
The Picture On The Roads Today
Fifteen million commercial trucks run on roads and highways in the United States every year. Two million of these are large semis and tractor-trailers. Three and a half million individuals hold commercial driver licenses and are qualified to operate these rigs.
In a given year, there can be half a million trucking accidents and vehicular incidents of one form or another. Fortunately, only a very small fraction of these incidents results in serious injury or death. However, each vehicular incident has the potential to result in serious consequences and this is properly the concern of the public.
What Happens In The Event Of An Accident
Should a commercial vehicle driver become involved in an accident event, the usual protocols are followed. The driver must remain on scene and exchange all applicable information with the other involved party. The commercial driver has the additional task of filing a complete report on every detail regarding the accident.
Neither driver should make any admission regarding fault, since this condition may depend upon the operative state laws. Also, neither driver should agree to sign anything other than official police reporting documents required by law.
Who Is At Fault?
As stated earlier, the operative laws in any given state have their own determiners regarding liability. Some states, such as Louisiana, operate under a theory of comparative negligence. This assigns different levels of liability to the parties involved in the accident depending on their behavior and how those behaviors contributed to the incident.
Other states decide the question on a simple set of criteria regarding who should have avoided the accident in the first place. And, upon these variables turns the compensation for damage, medical expenses, lost earnings, and losses of a personal nature.