Those who work in and around dump trucks understand the dangers they pose. If you have been involved in an accident with a dump truck, the injuries you sustained can substantially impact your life for years to come. Fortunately, those responsible for your damages or injuries can be ordered to compensate you for your losses.
However, you will need to take action if you hope to recover your damages in full. Fortunately, when you reach out to an experienced Germantown personal injury lawyer at Gatti, Keltner, Bienvenu & Montesi, PLC for a free consultation, you can find out more about how the claims process works and the various types of damages you could be awarded.
How Dump Truck Accidents Happen in Germantown
Figuring out how your injuries occurred is one of the top ways your dump truck accident lawyer in Germantown, TN will work to determine who will be ordered to compensate you for your damages. Dump truck accidents can happen in a variety of ways.
In many situations, dump truck accidents happen because of operator negligence. If the dump truck operator was unskilled, distracted, drunk, or otherwise incapable of operating the dump truck safely, they might be held responsible for your damages.
However, if the dump truck operator in your case is at-fault, not only would you have the opportunity to pursue a claim against them, but the dump truck company as well. The dump truck company has an obligation to hire skilled truckers or train them appropriately. Failure to do so or properly vet them may be considered negligence.
Other Causes of Dump Truck Accidents
Negligent dump truck operators are just one of the causes of collisions. Dangerous conditions on the roads or construction sites can also play a part in causing dump truck crashes. Construction site or property owners, dump truck owners, safety inspectors, government agencies and officials, and other third parties could all share blame.
If you are hoping to maximize the amount of compensation you are awarded, having your dump truck accident attorney in Germantown, TN take on your case may be in your best interests. This way, you can get a legal professional to investigate your case and establish liability.
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Legal Options After a Germantown Dump Truck Accident
It is important to explore your legal options after being involved in a dump truck accident. There are multiple ways in which you may be able to recover the compensation you deserve.
File a Dump Truck Accident Lawsuit
First, you may have the opportunity to file a civil lawsuit with help from your Germantown dump truck accident attorney. In bringing your case to court, there is no limit to the amount of compensation you can be awarded or the damages you could recover.
You will have the greatest opportunity to get the most out of your claim by filing a dump truck accident lawsuit instead of an insurance settlement alone. Many dump truck accident victims find the most success in filing a combination of insurance and civil claims.
Pursue a Dump Truck Accident Insurance Claim
It will be up to your dump truck accident lawyer to determine whether you can file a claim with the insurance company. Tennessee operates under a fault-based system, which means you file a claim with the liable party’s insurance company after an accident.
However, in many cases, the defendant may not have the insurance coverage needed for your claim to be successful. For this reason, many dump truck accident victims find themselves exploring alternative opportunities for financial relief.
What Dump Truck Accident Insurance Claims Cover
You may be wondering what types of damages are covered by the insurance company after you have been involved in a dump truck accident. Fortunately, there are specific types of damages that are covered based on the types of coverage purchased by the policyholder.
For instance, bodily injury liability coverage is designed to compensate you for your medical expenses. Property damage liability insurance coverage is designed to cover the costs of your property repairs. However, these are generally the only types of damages that are covered by insurance claims.
In some instances, the insurance company may also compensate for your loss of income, but this will be based on the terms of the policy in question. If you are unsure which types of damages are covered by the insurance policy in your case, do not hesitate to speak with your dump truck accident lawyer for answers.
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Maximize the Compensation You Are Awarded
It is not uncommon for dump truck accident victims to hope to maximize the amount of compensation they are awarded. After everything you have been through, getting the most out of your claim is essential if you hope to get back to your life. Here are some of the most common types of damages awarded:
Lost Income and Benefits
When your dump truck accident injuries keep you out of work, you have a right to be repaid for that loss of income. However, you are entitled to compensation for not only your lost hourly rate.
You should also be repaid for your loss of employee benefits.
For example, if you obtained your health insurance through your employer and lost it when you had to take time off of work, this loss can be recouped through your dump truck accident claim.
You may also be entitled to full recovery of your paid time off, vacation pay, holiday pay, bonuses, salary increases, and your employer’s contributions to your retirement savings account. Furthermore, you should be repaid for your diminished earning potential if your injuries are going to impact the amount of money you can earn in the future.
Do not get stuck covering even a dime in your medical expenses. Every single dump truck accident injury-related medical expense should be covered by the at-fault party. This includes co-pays, transportation costs, diagnostic testing, ambulance fees, your hospital stay, costs of prescription drugs, and any future medical care.
Other Recoverable Damages
Medical bills and lost wages are just a few of the economic losses you could recover. A wide array of damages do not have a financial value, commonly referred to as non-economic damages. Some examples of other damages you could recover after a dump truck accident include:
- Pain and suffering
- Loss of household services
- Emotional distress
- Property damage is
- Diminished quality of life
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Reach Out to a Dump Truck Accident Lawyer in Germantown for Help Today
There is no reason why you should deal with the permanent consequences of someone else’s negligent actions. The least the liable party can do is compensate you for their recklessness.
Are you interested in finding out more about how much your face is worth? Are you ready to take action and make the liable party pay? If so, please do not hesitate to schedule a meeting with a dedicated Germantown dump truck accident lawyer at Gatti, Keltner, Bienvenu & Montesi, PLC.
To get started on your case, complete our confidential contact form or call our office to schedule your no-cost, risk-free consultation as soon as today.