Who Is Liable for a Dump Truck Accident?
Several parties may be responsible for your NYC dump truck accident. It’s important to file a claim with all of them or name them all when you file a New York personal injury lawsuit. If you leave any party out, you may not get the full compensation you deserve.
Some people and companies that may be responsible include:
- The driver of the dump truck
- The truck’s owner
- The driver’s employer
- A dump truck mechanic
- A parts manufacturer
- Construction site manager
- A contractor or subcontractor
If the City of New York owned the dump truck, NYC might be a party in your lawsuit. However, municipal liability is much different than a typical personal injury case.
Contact a New York City municipal liability lawyer if New York City owned the dump truck that hit you.
Insurance Liability in New York
New York is a “no-fault” insurance state. That means that your insurance company should pay for your damages right away. However, that does not mean that the other party is entirely off the hook. If your damages exceed what your insurance will pay, you can seek compensation from the at-fault party.
New York requires all registered motor vehicle owners to have liability insurance with minimum coverage amounts. However, most dump trucks and commercial vehicles have even higher policy limits. Many of them have up to $1 million in coverage.
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