How Your Fort Wayne Truck Accident Lawyer Can Navigate Insurance Claims
Because they can weigh 20 to 30 times more than the average passenger vehicle, it may be no surprise that collisions with trucks and semi-trailers are among the most devastating events on Fort Wayne’s roads, whether they occur on tiny neighborhood streets or major highways like I-69. Fortunately, you might be able to obtain compensation […]
December 18, 2025
Because they can weigh 20 to 30 times more than the average passenger vehicle, it may be no surprise that collisions with trucks and semi-trailers are among the most devastating events on Fort Wayne’s roads, whether they occur on tiny neighborhood streets or major highways like I-69. Fortunately, you might be able to obtain compensation for a Fort Wayne truck accident by pursuing a claim against an applicable insurance policy, and you could improve your chances of success with help from Hensley Legal Group, PC, a dedicated Indiana personal injury law firm whose experienced attorneys have been fighting on behalf of the wrongfully injured since 1998. Join us to learn how your Fort Wayne truck accident lawyer can navigate insurance claims.
The Challenges Posed by Commercial Insurance Claims
As with most other kinds of auto accidents, the primary sources of financial recovery for a truck accident are usually the insurance companies for the parties at fault for it. However, since large trucks are more often than not being used commercially, they are required to carry specialized insurance policies that could present some distinct advantages but also pose some distinct challenges to anyone who wants to make a personal injury claim.
Let’s start off with the advantages. Unlike the distressing number of cars you may encounter with either no insurance whatsoever or so little insurance that there might not be enough to adequately reimburse you after a crash, the insurance policies on commercial trucks in Indiana tend to be far more substantial.
According to the state’s Motor Carrier Services Commercial Motor Vehicle Guide, $300,000.00 worth of liability insurance must be held by every “for-hire carrier transporting nonhazardous property in a vehicle with a GVWR [Gross Vehicle Weight Rating] of 10,000 lbs. or less.” The coverage levels increase to $750,000.00 when a truck weighs more than 10,000 pounds, provided that the cargo is “nonhazardous,” though anywhere from $1 million to $5 million or more in insurance may have to be carried when “hazardous material” is being hauled.
While that’s clearly a lot of money to compensate you, even in the wake of a genuinely catastrophic Fort Wayne truck accident, it doesn’t come without certain drawbacks. The reality is that the added coverage puts the insurance company at added risk of sustaining serious fiscal losses, thereby creating added incentive for an insurance adjuster to keep those losses to a bare minimum by finding an excuse to offer you pennies on the dollar for your claim.
That’s assuming of course that your Fort Wayne insurance claim isn’t simply denied altogether, which could leave you with few options if you are already struggling to remain afloat, but you can rest assured that Hensley Legal Group won’t ever allow you to be intimidated by strongarm tactics like these.
What a Seasoned Fort Wayne Truck Accident Attorney Can Do for You
This may be your first truck accident, but it won’t be the first for a seasoned Fort Wayne truck accident attorney at our firm, who will be much better equipped to meet the insurers on a level playing field, a key reason why 85 percent of the funds paid out go to claimants with lawyers.
If you hire Hensley, your attorney will conduct a comprehensive investigation into your truck accident, identify each of the defendants who may be liable for it, and establish valid claims against them by sending them formal notification in writing and alerting their insurance carriers.
Although a claim can be a sufficient means of securing fair compensation, a lawsuit could be filed as well in a court with power to issue a binding judgment if the situation should warrant it. Yet regardless of which legal mechanism is ultimately selected, a tenacious Fort Wayne truck accident lawyer will move swiftly to amass the materials necessary to get you a settlement that reflects the entirety of your damages, including your:
- Medical bills
- Lost wages
- Pain and suffering
- Mental and emotional trauma
- Mobility restrictions
- Scarring and disfigurement
- Diminished quality of living
- Loss of consortium (if relevant)
And if your case somehow can’t reach an amicable conclusion during negotiations, a battle-tested attorney will become indispensable. Whereas around 96 percent of plaintiffs who represent themselves lose at trial, plaintiffs with professional representation are statistically favored to win and could potentially be awarded the resources they need to get back to normal.
Get in Touch with Hensley’s Fort Wayne Truck Accident Lawyers
Hensley Legal Group has been fiercely advocating for hardworking Hoosiers just like you for over a quarter century. If you’ve been badly hurt by a reckless trucker in the Fort Wayne area, get in touch with Hensley’s Fort Wayne truck accident lawyers to explore the remedies that may be available to you.
You can schedule a free consultation with a skilled Fort Wayne truck accident attorney by calling us at (317) 472-3333, chatting with us online, or filling out our contact form now.
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