If you’ve been in a crash involving a commercial truck in Visalia, it’s essential to know that not all auto insurance is the same. The type of coverage involved—whether it’s a personal or commercial auto policy—can significantly affect your truck accident claim.
Many accident victims in California are surprised to learn that claims involving commercial trucks are handled differently from those involving personal vehicles. This difference can influence who is liable, how much compensation is available, and how long the process takes.
Let’s break it down so you can protect your rights and recovery.
Why the Type of Insurance Coverage Matters
In California, truck accidents are often more complex than regular car accidents. That’s because commercial vehicles typically carry commercial vehicle insurance, a specialized type of policy designed for business use, with higher liability coverage limits and different rules than personal policies.
Here’s why that matters:
| Feature | Personal Auto Insurance | Commercial Auto Insurance Policy |
| Use | Covers personal vehicles | Covers commercial vehicles used for business |
| Coverage Limits | Lower policy limits | Higher policy limits, sometimes exceeding $1M |
| Claims Process | More straightforward | More complex, it may involve a trucking company |
| Who’s Covered | Named drivers and family members | Employees, multiple drivers, and company owners |
| Commonly Covers | Property damage, bodily injury | Bodily injury, legal fees, vehicle damage, loss of income |
Legal Implications in Truck Accident Claims
When a truck is involved, the legal landscape shifts. Commercial trucks are often insured under a commercial auto insurance policy with broader protections and obligations.
If you’re filing a truck accident claim against a trucking company, multiple parties could be involved, including the truck driver, employer, and the vehicle owner. Determining the liable party is crucial for recovering fair compensation.
- The employer’s commercial auto policy might be on the hook if the truck driver was on the clock.
- If the driver was using the truck for personal reasons, personal auto insurance may apply instead.
Either way, our truck accident lawyer in Visalia can help you understand your legal options and ensure the right party is held accountable.
Common Damages Covered by Commercial Insurance
If you were hurt in a crash involving a commercial vehicle, your claim may cover:
- Medical expenses related to personal injury
- Lost income and reduced earning capacity
- Pain and suffering from severe injuries
- Property damage to your vehicle
- Costs of ongoing care or therapy
- Emotional distress
Under California Vehicle Code §16056, all drivers must carry minimum liability coverage. However, commercial vehicles typically exceed these minimums, offering broader insurance coverage that can support larger claims.
What to Do After a Commercial Truck Accident
If you’re dealing with truck accident claims, here’s what you should do:
- Document everything. Photos, witness statements, and medical records will support your case.
- Report the accident. Notify your insurance company and request a copy of the police report.
- Consult our lawyer. Our truck accident attorney can help you file an insurance claim against the right party.
- Beware of early offers. Don’t accept a quick payout from the fault party without legal advice.
Whether you’re dealing with comprehensive coverage or fighting for compensation under a commercial auto policy, having the right support matters.
Not every personal injury lawyer is equipped to handle the complexities of commercial vehicle insurance disputes. Our dedicated Visalia truck accident lawyer knows how to negotiate with insurers, investigate the insurance coverage details, and fight for the full amount you deserve.
Get the Support You Need After a Truck Crash
Navigating the aftermath of truck accidents can be overwhelming, especially when trying to heal and protect your rights. Understanding whether commercial auto insurance or personal auto insurance applies is critical to getting the outcome you need.
At Farahi Law Firm, our experienced legal team offers free consultations to help you understand your options and seek justice.Injured in a truck crash? Contact us today for your free case review. We’ll help you pursue compensation and hold the right liable party accountable—so you can focus on your recovery
