Company Vehicle Accidents. Work Truck Accidents. Provo, UT

Provo, UT Company Work Truck Accident Lawyer

Work truck accidents in Provo, UT, can result in complicated claims involving multiple insurance policies, workers’ compensation, and liability considerations. If you are injured in a company vehicle accident, understanding your rights and the legal processes is essential. Experienced Provo car accident attorney Jake Gunter is here to help you navigate these complex claims.

Understanding Work Truck Accident Claims

Work truck accidents differ from standard car accidents due to their legal and insurance complexities. Whether you are driving a commercial truck, company vehicle, or other work-related automobile, specific rules apply to these situations.

What Makes Work Truck Accidents Unique?

Commercial Insurance Policies: Work trucks are often covered under commercial insurance policies, which may waive certain benefits.
Workers’ Compensation Claims: Employees injured in work truck accidents can file for workers’ compensation while pursuing a personal injury claim.
Multiple Insurance Carriers: Determining which insurance company covers what part of your claim can be frustrating without legal assistance.

Multiple Insurance Policies in Work Truck Accidents

When you are injured in a company vehicle accident, there may be multiple layers of insurance coverage.

Primary Coverage: Commercial Policies

In most cases, the work vehicle’s insurance is the primary source of Personal Injury Protection (PIP) benefits. However, some commercial insurance policies waive PIP coverage.

What Happens When PIP Is Waived?

If the commercial insurance policy excludes PIP benefits, coverage can revert to your own car insurance policy. Your personal car insurance company may become responsible for covering medical bills and other injury-related costs.

Uninsured and Underinsured Motorist Coverage

Commercial insurance policies may also waive Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage. This leaves you vulnerable if the at-fault driver has no insurance or inadequate coverage.

Using Your Personal UM/UIM Coverage

When a commercial policy waives these coverages:

Your personal car insurance’s UM/UIM policy may step in.
Filing these claims requires navigating your own insurance policy terms.

Workers’ Compensation Claims for Work Vehicle Accidents

If you are injured while driving a work truck, you may have two separate claims running concurrently:

Workers’ Compensation Claim for injuries sustained while performing job duties.
Personal Injury Claim against negligent drivers or third parties involved in the accident.

How Workers’ Comp Interacts with Personal Injury Claims

Workers’ compensation covers medical bills and lost wages but does not allow for pain and suffering claims. A concurrent personal injury claim can provide additional compensation for your overall damages.

Steps to Take After a Work Truck Accident

Knowing what to do immediately after an accident is crucial to protecting your claim:

Ensure Safety: Move to a safe location and seek medical attention.
Report the Accident: Notify your employer and file a police report.
Document the Scene: Take photos, gather witness information, and record details of the accident.
Seek Legal Assistance: Consult an experienced work truck accident attorney to handle insurance claims and workers’ compensation issues.

Why Hiring a Provo Work Truck Accident Lawyer Matters

Work truck accident claims involve overlapping legal and insurance considerations. Hiring an experienced lawyer ensures:

Understanding Coverage Issues: Navigating multiple policies without confusion.
Maximizing Compensation: Securing benefits from all available sources.
Managing Concurrent Claims: Coordinating workers’ compensation and personal injury claims effectively.

Compensation for Work Truck Accident Injuries

Injured workers may recover compensation for:

Medical Bills: Immediate care, surgeries, and rehabilitation costs.
Lost Wages: Income lost due to inability to work.
Pain and Suffering: Physical and emotional distress.

FAQs About Work Truck and Company Vehicle Accidents

1. What Should I Do If I’m Injured in a Work Truck Accident?
Report the accident to your employer, seek medical care, and consult a lawyer.

2. How Do Workers’ Comp and Car Insurance Work Together?
Workers’ compensation covers medical and wage loss, while car insurance handles additional claims.

3. What If My Company Vehicle Doesn’t Have PIP or UM/UIM Coverage?
Your personal insurance policy may cover these claims as secondary coverage.

4. Can I Still Sue If I Receive Workers’ Compensation?
Yes, you can file a personal injury claim against third parties involved in the accident.

5. Do I Need a Lawyer for a Work Truck Accident?
Yes, an attorney helps navigate insurance complexities and maximizes your compensation. This is what to look for in a good injury attorney.

6. How Soon Should I Call an Attorney?
Contact an attorney as soon as possible to ensure your claims are filed correctly and on time.

Contact Provo, UT Work Truck Accident Lawyer Jake Gunter
For a free consultation, call or text (801) 373-6345. Ask for Jake—he can tell you over the phone if you have a case.

Common Two Car Accident Issues.

Insurance company processing times.

Common car collision issues can be waiting and waiting on the insurance carriers to complete their investigation. Insurance companies can take some time to locate witnesses, conduct adjuster interviews, talk to the police and gather the police report.

Hang in there as your Utah car accident attorney processes through the various insurance companies. Insurance companies have thousands of claims and yours is just one of them.

Rental cars.

Rental cars can be provided by the at-fault insurance company if they want to, but they don’t have to volunteer a rental car and can refuse your request for a rental car. If your own first party UIM/PIP insurance company has rental car coverage, that may be a good option to get a rental car, even if you have to pay your deductible first. Deductibles and the cost of rental cars can be reimbursed through the at-fault insurance company settlement.

Property damage valuations.

Getting your car fixed after a car accident is an entire blog post in itself. You have to deal with the frustration of waiting.

Hire a Utah Car Accident Attorney Early in the Process to Avoid Frustration

Cut Down Processing Time.There are investigation processing times that can be cut down when you hire an experienced personal injury attorney who knows what to do.
Avoid Frustration. Hiring a Utah car accident law firm that has been through the process hundreds of times is critical in getting the best results, but also speeding up the process and avoiding unnecessary frustration.
Concentrate on Getting Better. When you hire a Utah car accident lawyer you can avoid much of the frustration and concentrate on getting better, which is the most important part of the process.
Avoid Common Car Accident Mistakes. Hiring a Utah car accident lawyer help you avoid making common mistakes that devalue the true compensation you are entitled to. A good attorney helps you avoid gaps in medical treatment, avoids seeing the wrong doctors who can’t give the correct medical care or diagnosis. Proper and timely radiology is another area where attorneys can really help when hired early.

NO FEE UNLESS YOU RECOVER COMPENSATION FOR YOU CAR ACCIDENT INJURIES

Lastly, you don’t owe Utah car accident attorney Jake Gunter unless you receive compensation for your injuries. If you don’t win your case, you don’t owe Jake anything.

TXT/CALL car accident lawyer Jake Gunter (801) 373-6345 for a free consultation. Via Zoom, Phone or In-Person. Let his team help you.