What are 3rd Party Auto and Trucking Accident Claims?

Were you injured in an accident with another driver in Missouri? You may be able to receive compensation for your injuries by filing a third-party claim against the person or entity at fault for the crash.

According to the Missouri Department of Insurance, a third-party claim is filed against someone else’s insurance rather than your own. In most cases, this third party is the other driver because they did something that directly led to the accident.

However, the driver isn’t the only third party that may be liable for your injuries. As stated in Section 537.060 of the Revised Statutes of Missouri, multiple parties can share fault for an accident. So, who are the additional third parties you may be able to file a claim against?

Additional Liable Parties in Car Accidents

In Missouri, drivers must have liability insurance that provides at least the following coverage to third parties injured by the policyholder:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $25,000 per accident for property

It’s important to understand that parties other than the driver who caused the accident might also have liability. For example, if the driver was on the job at the time, their employer is likely responsible for their actions under the legal concept of vicarious liability. As such, you can file a claim against this otherwise uninvolved party to seek more compensation than the at-fault driver might be able to provide otherwise.

In some cases, multiple drivers may be at fault for the accident. One driver may have veered into the lane of another, and that second driver veered into your lane to avoid the first and hit you. Both drivers could share fault, which means you could have viable claims against each.

Sometimes, faulty products can lead to accidents. Did a part of the other driver’s car fail and contribute to the crash? Or, did a part of your car fail during the crash, such as the airbag, making your injuries worse? If so, the manufacturer of the car or that specific part could be at least partially liable.

Additional Third Parties in Truck Accidents

The trucking industry is made up of many different companies and parties working in concert together, each of whom may have played a role in a given truck accident. As such, there may be even more at-fault parties in these cases. For example, if the load the truck was hauling came loose, the freight loaders could be liable. Or, if the accident happened while the truck driver was on duty, their employer could be liable.

Federal and state laws could also affect liability. The Federal Motor Carrier Safety Administration (FMCSA) regulates how long truck drivers can work within given periods. If the driver’s employer pushes the driver to work beyond these limits, the employer may be open to additional liability.

Motor Vehicle Accident Attorney Serving Missouri

If you suffered injuries resulting from a car or truck accident in Missouri, there may be multiple parties you can sue for compensation. Contact The Wilbers Law Firm LLC for a free consultation about your case with one of our experienced motor vehicle attorneys and find out who you could hold liable.