Drivers of commercial vehicles, like large trucks and buses, are an essential part of the economy. However, for the drivers themselves, driving a commercial vehicle is one of the most dangerous occupations there is.
According to the Occupational Safety and Health Administration, approximately 475,000 trucks with a gross weight of over 10,000 pounds are involved in crashes that cause roughly 5,360 fatalities and 142,000 injuries every year. Of these, 23 percent of the fatalities are the occupants of the large trucks.
If you are a trucker or bus driver who has been injured on the job, read on to learn about your options for compensation.
Filing a Claim Through Workersâ€™ Compensation Insurance
Commercial drivers should be able to receive workersâ€™ compensation insurance should pay for medical expenses and lost wages after an on-the-job accident.
The four types of benefits that are available under Texas workersâ€™ compensation law are below.
- Medical benefits
- Income benefits
- Death benefits
- Burial benefits
However, if you are a contract worker, then workers’ compensation doesn’t extend to you. There are other options.
The At-fault Driverâ€™s Car Insurance
When workersâ€™ compensation isnâ€™t an option, filing a claim with the at-fault driverâ€™s insurance company may be the best course of action. In Texas, all drivers are required to carry car insurance in policy amounts of liability coverage ofÂ $30,000 per person per accident, $60,000 per accident, and $25,000 in property damage liability.Â
Through the Commercial Vehicleâ€™s Companyâ€™s Car Insurance
Sometimes, the at-fault driver may not carry insurance at all, or may not carry enough insurance to pay fully for injuries. If the trucking/bus company has uninsured or uninsured motorist coverage, this coverage can help to pay for injuries.
In the event that the accident was the fault of the commercial driver, then the companyâ€™s insurance should pay for damages. Under federal law, commercial trucking companies must carry at least $750,000 in liability insurance.
Filing a Lawsuit
In the event that filing a claim after an accident with a commercial vehicle with an insurance company doesnâ€™t yield the amount of compensation necessary to fully pay for injuries, filing a lawsuit against an at-fault party (trucking company, other driver, trucking part manufacturer, etc.) may be a more viable option.
Speak with an Attorney About Your Options Today
If youâ€™re injured on-the-job in a commercial vehicle accident, the attorneys at the Law Office of Julie Johnson, PLLC can help you to file your claim or lawsuit today. To get to work on getting your compensation award, contact us now at 214-290-8001.