Why are truck accidents in Louisiana so costly?

Baton Rouge, LA – Semi truck collisions and other accidents involving large commercial vehicles tend to be much more expensive than standard motor vehicle accidents. The companies that own and operate these vehicles also need to have special insurance policies that can cover millions of dollars worth of damage if necessary. 

Cargo costs

Most truckers will be transporting several thousand dollars worth of cargo at any given time. In a severe accident, it is likely that this cargo will be a total loss. Trucks that have fuel tankers or other hazardous materials present additional dangers, as special cleanup crews need to report to the scene if these kinds of materials are spilled onto the roads. Ultimately, the company transporting these items will be financially responsible for any losses that they cause. 

Higher risk of serious injuries and fatalities

The truck drivers along with any other people in vehicles that were involved in the crash are at a much higher risk of being seriously hurt or sustaining fatal injuries. This is due to a combination of factors such as the fact that trucks are much larger and heavier than other vehicles on the road, and drivers need to operate at high speeds on highway roads to get to their destinations on time. 

Issues with drivers

Unfortunately, the pressure and stress of meeting deadlines and driving for extended periods of time can cause problems for truck drivers. Substance abuse is a known issue among drivers, and some may also skip out on required breaks or vehicle maintenance. A driver who is impaired or not following hours of service regulations may be fatigued and much more likely to cause a severe accident. Because insurance companies are aware of these risks with drivers, their policies factor this kind of risk into the cost. 

Lawsuits to recover losses

Liability insurance is required for all commercial drivers because it is likely that there will be lawsuits by accident victims to recover their losses. People who are injured can try to make the driver or company pay for their medical treatment, lost wages, and pain and suffering. Companies that sustain financial losses due to the cargo issues may try to bring civil cases against the driver or trucking company as well. The insurance policy should cover most of these costs so that the business does not have to pay these costs out of their own finances. 

Help from a truck accident attorney

Anyone who has been injured by a truck driver in the Baton Rouge area has the right to talk with a lawyer and retain legal help. Miller, Hampton, and Hilgendorf is a firm that focuses on personal injury lawsuits in Louisiana. 

Firm contact info:

Miller, Hampton, and Hilgendorf

3960 Government St., Baton Rouge, LA 70806

225-343-2205

www.mlhlaw.com