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Auto Insurance Claims/Commercial Vehical Insurance

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Expert: - 2/20/2009


Question
My question is... do commercial vehicals (dump truck) have minimum insurance coverage that they have to have.  I know that the truck that hit me has insurance but a friend of mine said that I may have trouble getting what is owed in medical if they don't have enough coverage.  I thought they had to have a minimum of around $500,000 or something which would definately take care of my bills ect... just wondering.  Thanks much!

Answer
Hi Jenny,

Unfortunately, your question is state specific and would depend on your states individual requirements.

You can check with your state department of transportation or your state insurance commissioners office.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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