Florida Truck
Accident Guide
Truck and commercial vehicle accidents are significantly more complex than standard car accidents. Higher insurance limits, federal regulations, and multiple potentially liable parties make these cases unique.
Florida PIP 14-Day Rule: Seek medical care within 14 days to preserve up to $10,000 in PIP benefits. Call 407-486-6147 for a free referral.
Why Truck Accidents Are Different
Commercial trucks are governed by federal FMCSA regulations. Trucking companies carry much higher insurance limits than personal vehicles. Multiple parties may be liable: the driver, the trucking company, the cargo loader, and the vehicle manufacturer.
Evidence Disappears Quickly
Trucking companies have rapid response teams that arrive at accident scenes quickly to protect their interests. Electronic logging device (ELD) data, dashcam footage, and black box data can be overwritten or destroyed. Preserving this evidence requires prompt action.
Federal Hours of Service Regulations
Federal law limits how many hours a commercial truck driver can drive without rest. Hours of service violations are a common cause of truck accidents. ELD data can prove whether the driver was in violation at the time of the crash.
Seek Medical Care Within 14 Days
Your Florida PIP insurance covers your medical expenses regardless of fault. You must seek care within 14 days to preserve your benefits. Truck accident injuries are often severe — prompt medical evaluation is critical.
Do Not Speak With the Trucking Company Insurer
Trucking companies and their insurers have experienced claims teams. Do not give a recorded statement or accept any settlement offer without legal guidance. Early settlements are almost always far below the actual value of serious truck accident claims.
Potential Liable Parties
In a truck accident, potentially liable parties include the truck driver, the trucking company, the cargo loading company, the truck's maintenance provider, and the vehicle or parts manufacturer. A thorough investigation is required to identify all responsible parties.
Need a Doctor After Your Accident?
Free 24/7 referral to PIP-accepting doctors throughout Florida.