U-Haul is one of the most popular truck rental companies in America. However, with that popularity comes the unfortunate reality that unsafe and unqualified drivers operate these vehicles. It is important to note that you do not need any special licensure or training to rent and operate a truck rental such as a U-Haul. Hence, there is the possibility that one could wind up in a collision with a U-Haul truck operated by a reckless driver and suffering serious bodily harm.
If you or a loved one was seriously injured in an accident caused by a U-Haul driver, it is important to understand that, in California, you likely have a basis to pursue financial restitution through a personal injury claim. Though, things can get tricky when trying to determine where to file a claim when the U-Haul driver failed to purchase insurance coverage. If you find yourself in such a situation, here are some options for your consideration.
Filing a Claim
Under California law, every motorist is required to carry a minimum amount of auto insurance coverage. specifically, motorists are required to have at least $15,000 per person and $30,000 per accident in bodily injury coverage, along with $5,000 in property damage liability insurance.
It is also important to highlight the fact that most insurance policies cover the vehicle listed on the policy, in addition to rental vehicles. This is why it may make sense to file a claim against the U-Haul driver’s car insurance carrier. Though, a thorough examination of the insurance policy is necessary since some insurance policies exclude box trucks from coverage.
If the U-Haul driver’s insurance company denies your claim based on an exclusion in the policy, you could potentially file a claim through your own auto insurance policy. This can be accomplished by filing a claim under your uninsured/underinsured motorist insurance coverage (if your policy has this type coverage).
An accident with an uninsured U-Haul truck may result in the company itself being liable for your harms and losses. U-Haul for example could potentially be held liable to pay your medical bills, lost wages, etc. if there is evidence that the company contributed to the collision through an act of negligence. For example, if an investigation discovers that poor quality, or faulty brakes on the U-Haul caused the accident, then there could be a basis to hold U-Haul liable.
In such a scenario, U-Haul could be held liable for the accident, even if the driver failed to purchase insurance coverage for the rental.
Looking for Answers? Contact an Experienced Los Angeles Personal Injury Lawyer Today
As you can see, getting hit by a rental truck i.e a U-Haul truck with no insurance coverage can be a stressful experience since you may not know if you will be able to pursue financial restitution for your injuries and losses. Hence, it is in your best interest to consult with an experienced Los Angeles personal injury lawyer such as the highly reputable Ramtin Sadighim and his team to determine the best course of action. Our legal team is ready and able to fight for you with the goal of obtaining maximum financial restitution. Take action and schedule a free, confidential case review with an experienced attorney to obtain high-quality, personal legal representation at 888.999.8744 or visit www.CaliAccidentAttorney.com to learn more.