How to Handle a Car Accident Involving a Commercial Vehicle

1. Ensure Safety and Seek Medical Attention

Your first priority should be safety. If possible, move to a safe area away from traffic. Check yourself and others for injuries. Even if you feel fine, seeking medical attention is important as some car accident injuries may not be immediately apparent.

2. Call the Police

Always call the police after an accident involving a commercial vehicle. They will create an official accident report, which will be crucial for insurance claims and potential legal action.

3. Document the Scene

If it's safe to do so, document the accident scene:

• Take photos of all vehicles involved, including damage and license plates
• Photograph the accident scene, including road conditions and traffic signs
• Get contact information from witnesses
• Note the commercial vehicle's company name and DOT number

4. Exchange Information

Exchange contact and insurance information with the commercial vehicle driver. However, avoid discussing fault or making statements that could be interpreted as admitting guilt.

5. Report the Accident to Your Insurance Company

Notify your insurance company about the accident as soon as possible. Provide them with the basic facts, but avoid going into detail about fault or injuries until you've spoken with an attorney.

6. Be Cautious When Dealing with the Commercial Company's Insurance

The commercial vehicle's insurance company may contact you quickly. Be cautious in your interactions with them. They may try to get you to settle quickly or make statements that could harm your claim. It's best to direct them to your attorney.

7. Keep Track of Your Damages and Expenses

Keep detailed records of all accident-related expenses, including:

• Medical bills and treatments
• Lost wages
• Vehicle repair costs
• Any other out-of-pocket expenses related to the accident

8. Understand the Complexities of Commercial Vehicle Accidents

Commercial vehicle accidents often involve multiple parties, including:

• The driver
• The company that owns the vehicle
• The company that leases the vehicle
• The manufacturer of the vehicle or its parts
• The loader or shipper of the vehicle's cargo

This complexity can make determining liability challenging, which is why professional legal help is often necessary.

9. Be Aware of Special Regulations

Commercial vehicles are subject to special regulations, such as DOT recordable accidents. Understanding these regulations can be crucial to your case.

10. Consider Consulting a Car Accident Attorney

Given the complexities involved in commercial vehicle accidents, it's often beneficial to consult with a St. Louis truck accident lawyer or a St. Louis bus accident lawyer, depending on the type of commercial vehicle involved. They can help you navigate the legal complexities, deal with insurance companies, and ensure you receive fair compensation for your injuries and damages.

Handling a car accident involving a commercial vehicle can be overwhelming, but following these steps can help protect your rights and interests. Remember, the most important things are to ensure your safety, document the accident, and seek appropriate medical and legal help. If you're unsure about any aspect of your case, don't hesitate to seek professional advice.