A Car Owners Responsibility Goes Beyond Just Their Car

The drivers of cars and trucks have a duty to protect other motorists by upholding driving laws and driving in a manner that does not put others in danger.

car-accident-unsecured-load-st-louisThis also extends to any load they may be hauling. While you may be aware that a truck has to secure their cargo in order to avoid an accident, the same holds true for a passenger car. If your St. Louis car accident stemmed from an unsecured load, either by a commercial truck or passenger car, a St. Louis car accident lawyer can help.

With the influx of large SVU’s and pick-ups on our highways, it is not unusual to see these types of vehicles towing anything from boats to small campers behind them. Pick-up trucks are also often used to haul items in the beds of their vehicles. Both of these scenarios have the potential to cause a horrific car accident if the loads are not secured properly.

How to Properly Secure Your Load

When towing, a vehicle owner needs to first make sure that their car has the capability of moving a heavy load. Once that is established then the proper towing gear should be installed, including brake and tail lights if the ones on the car are being obstructed by the load. The driver should also have experience in towing extra weight as this will cause a major difference in the way the car normally handles.

Not securing a load properly and or not knowing how to drive a car with such a load can cause the trailer, boat or whatever else is being towed to come undone. This is seen often with small moving trailers that an inexperienced customer may rent for a day. Once that trailer comes undone it becomes a major road hazard to other drivers.

If your accident is caused by this type of event, the car owner, the trailer owner and any entity the driver may have been working for at the time could be held liable for your injuries. A Missouri driver fractured his leg after a collision with a trailer that had become unsecured from the SVU that was towing it. In this case the negligence was found on the part of the drivers employer for not having the proper safety measures in place to prevent such an accident from occurring. As a result, the employer agreed to a $387,500 settlement.

Pick-up trucks hauling cargo in their bed pose the same type of risk to other drivers. They too have a responsibility to ensure that they have the skills needed to haul heavy items and that the items are securely in place so as not to fly out of the back. An object suddenly flying out of the back of a pick-up can cause a serious accident on a highway.

Car Accident Lawyer in St. Louis, Missouri

Unsecured cargo accidents do not necessarily have to involve a large commercial truck. Call an experienced St. Louis car accident attorney if you have recently been injured in a crash that was caused by the items being hauled by another car. Only they can help you obtain the compensation that is rightfully yours.

Call (314) 361-4242 or fill out the form on the right to request a free case evaluation. All communications are returned promptly.


photo credit: DiamondBack Truck Covers


Establishing a Claim for a Car Insurance Settlement

An automobile insurance claim will strengthen with the presence of supporting documents.

what to do after a car accident in St. LouisIt will also substantiate the compensation sought by the policy holder. The actions following the accident can have a considerable effect on the settlement. Due to this, it is essential to do the following.

Take pictures of:

  • The scene of the accident right after the accident. It will provide information about the time, lighting conditions, weather, and position of the vehicles involved.
  • The scene of the accident following the accident. It will provide information regarding the intersection of the roads at the accident site without any obstructions to the view of the damaged vehicles. It will also provide information about the road condition following the accident, including any damage to the roadside and skid marks.
  • The injury resulting from the accident. Images of the stitches, surgery, broken limbs, and hospitalization should be taken. Images provide more information compared to an ordinary narration.
  • Damage to the vehicle. The images should show all the sides of the vehicle. Images should also be taken when the vehicle is brought to the body or tow shop. It will provide information about the damage, the degree of damage, and how the vehicle was hit.
  • Impact or skid marks on the road. The measurement of the skid marks can also be taken. The speed of the vehicle prior to the impact can be calculated. Images of any marks or holes on the road or highway can be taken along with any damage on nearby properties.

Get the statements of witnesses – Obtain the names, addresses, and contact information of everyone who witnessed the accident. Written statements can also be obtained from the witnesses showing what they witnessed at the time of the accident.

Search for News Reports – Obtain a copy of newspapers that covered the accident. These reports should become a part of the documentation for the claim since it was considerable enough to elicit coverage by the newspaper.

Obtain Police Reports – Find copies of the police report, which can provide additional value to the claim. This is particularly true of the report indicates that the other driver was given a citation and ticket for moving violations or DUI.

Be Aware of Special ConditionsDUI, driving without a license, speeding, weather, light conditions, and time among others.

After the claim value is established and all the records showing the information associated with the accident are obtained, the policy holder will learn that the settlement can be facilitated by a good number of insurance adjusters. Get in touch with the insurance adjuster and look for a supervisor who is authorized to approve the automobile insurance claim.

A number of companies may improperly delay the settlement process anticipating that a lower offer will be accepted by the policy holder. This is not a good situation to be in. Being an informed claimant who is aware of the value of the claim will be the best approach in getting a favorable automobile accident insurance settlement.

Should I Speak with an Attorney?

BEFORE speaking with any insurance adjusters, get in contact with an experienced car accident lawyer. Your attorney can look over your claim and help you determine what it is actually worth. With this knowledge, your attorney will be in the best position to get you the full amount of compensation you deserve.

If you have been in a St. Louis automobile accident, contact The Hoffmann Law Firm, L.L.C. We have been helping Missouri auto accident victims for over 15 years and have thousands of cases to our credit. Call (314) 361-4242 or fill out the contact form on the right for a free case evaluation.


photo credit: ChazWags via Flickr