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If you or a loved one has been hurt in a New York semi accident, you might feel overwhelmed by medical bills and confusing laws. As New York truck accident lawyers, we often see victims struggle to understand how trucking regulations affect their case. The good news is that these rules, from state trucking laws to federal safety standards, can help your claim if they were violated. This comprehensive guide will explain how New York’s semi-truck regulations influence accident claims. You’ll learn about key laws like New York’s Vehicle and Traffic Law § 385, important Federal Motor Carrier Safety rules, and what steps to take after a truck accident. We aim to reassure you with knowledge and professional guidance so you can confidently move forward.
Don’t let the complexities of serious semi accident injuries overwhelm you. Reach out to Napoli Shkolnik for dedicated legal support that can help you navigate your claim and secure the compensation you deserve. Give us a call at (844) 234-5481 oder kontaktiere uns today to take the first step towards protecting your future.
Understanding Semi-Truck Regulations in New York
New York Trucking Laws (VTL § 385): New York has specific laws about the size and weight of semi-trucks on its roads. Vehicle and Traffic Law § 385 limits how tall, heavy, and long trucks can be on New York highways. For example, trucks are generally limited to about 13½ feet in height and 80,000 pounds in gross weight on most roads (similar to federal limits). This is to prevent accidents like bridge strikes or brake failures due to overweight loads. In fact, New York law even holds a truck’s owner and operator responsible for damage if an over-height truck (over 13 feet high) hits a bridge and causes an accident. By enforcing these limits, the state aims to keep roads safe from vehicles that are too large for the infrastructure or unsafe to maneuver.
Federal FMCSA Safety Rules: In addition to state laws, New York semi-truck drivers and companies must follow the Federal Motor Carrier Safety Administration (FMCSA) regulations. These are nationwide rules covering driver conduct, truck maintenance, hours of service, and more. New York has adopted the FMCSA rules statewide, meaning even intrastate truck operations must comply. Key FMCSA rules include:
Hours-of-Service Limits: Truck drivers can drive a maximum of 11 hours after 10 consecutive hours off-duty, and they must take at least a 30-minute break after 8 hours of driving. These rules combat driver fatigue, which is a major cause of crashes. A drowsy driver behind the wheel of an 80,000-pound semi is as dangerous as a drunk driver. We often remind clients that fatigued driving is treated seriously – studies show 18 hours without sleep can impair someone like having a 0.08% blood alcohol level, the legal limit for DUI.
Drug and Alcohol Regulations: Truckers hold commercial licenses with strict drug/alcohol policies. FMCSA rules (e.g. 49 CFR § 392.4 and § 392.5) ban driving under the influence of any alcohol or impairing drugs and even require post-accident testing in certain cases. These standards are tougher than normal DUI laws, reflecting how much damage an impaired truck driver could do.
Vehicle Maintenance and Inspections: Truck companies and drivers must regularly inspect and maintain their vehicles. Federal rules require pre-trip and post-trip inspections and prompt repairs of any issues. For instance, FMCSA Rule 392.7 says a driver must not operate a truck with any condition that could cause a breakdown or accident, and Rule 396 mandates systematic maintenance. Failing brakes, worn tires, or broken lights can all lead to serious accidents, so these rules ensure problems are fixed before trucks hit the road.
Cargo Securement and Size Limits:FMCSA rules also cover how cargo is loaded and secured. A shifting or spilling load can cause multi-vehicle crashes. Additionally, federal regulations confirm size/weight limits (e.g. max 80,000 lb weight, width of 102 inches) in line with New York’s VTL § 385. Truckers need special permits to exceed these limits. Operating an oversize or overweight truck without permission isn’t just a traffic ticket – it’s a safety hazard that can make the truck unstable.
All these rules serve one purpose: to protect motorists and prevent crashes. When truck drivers and companies follow them, our roads are safer. But when they cut corners or violate regulations, the risk of a devastating accident increases. In New York, truck accident lawyers and investigators will often check for any broken rules after a crash, because those violations can directly impact an accident claim, as we’ll explore next.
Common Regulatory Violations in Semi-Truck Accidents
Semi-truck accidents in New York often involve some form of rule violation. Identifying these common regulatory violations is crucial because it helps show how the crash happened and who was at fault. Here are some frequent issues we see in truck accident cases:
Hours-of-Service Violations (Fatigued Driving): Despite the rules, some truck drivers push beyond the 11-hour driving limit or skip required breaks to meet tight delivery deadlines. Driving while exhausted is extremely dangerous – reaction times slow down, and judgment is impaired. If a trucker fell asleep or was overly tired during the crash, it’s a strong sign tthat they violated hours-of-service rules. We often see victims struggle with crashes caused by a drowsy truck driver who shouldn’t have been on the road. Proving the driver’s logbooks or electronic logging device records were falsified or exceeded can directly support your claim.
Overweight or Oversize Trucks: New York semi-truck regulations strictly limit truck dimensions for good reason. An overweight truck (over 80,000 lbs without a special permit) puts enormous strain on brakes and tires. It may not stop in time or could suffer a blowout or brake failure. Similarly, an over-height truck can strike low bridges or overpasses (a known problem on certain New York parkways). Operating a truck that’s too heavy or tall in violation of VTL § 385 not only results in fines, but if it contributes to an accident, it significantly boosts the truck driver’s and company’s liability. These violations show clear neglect for safety rules.
Poor Maintenance and Inspection Violations: All commercial trucks must undergo regular inspections and maintenance. Yet common violations include worn brakes, bald tires, broken signals, or unsecured trailer hitches. For example, if a trucking company skipped routine brake maintenance and the brakes failed, causing a wreck, that violates FMCSA maintenance requirements. New York truck accident lawyers can obtain maintenance logs and inspection reports to find evidence of such negligence. One common scenario is when a company’s records (or lack thereof) reveal they ignored known issues with the truck.
Unsecured or Improperly Loaded Cargo: There are regulations on how cargo must be tied down, balanced, and contained. If a truck’s load isn’t properly secured and spills or shifts, the resulting accident can be catastrophic. Imagine a flatbed trailer where a heavy piece of equipment wasn’t strapped down—if it falls onto the road, any car behind can be wrecked. These incidents often point to cargo securement rule violations by the driver or whoever loaded the truck.
Driver Qualification and Licensing Issues: Semi-truck drivers need a valid Commercial Driver’s License (CDL) and proper training for the specific truck and cargo (e.g., special endorsements to haul hazardous materials or oversized loads). If a driver lacked the required CDL or were not adequately trained, that would breach regulations. We’ve encountered cases where a trucking company hired an unqualified driver or failed to do a background check. Not only is that illegal, but it’s also incredibly reckless, opening the company up to direct liability for negligent hiring if an accident occurs.
Alcohol or Drug Use: While less common than other violations, any indication that a truck driver was under the influence is a serious breach of both state law and FMCSA rules. Even specific prescription or over-the-counter drugs are prohibited if they impair driving. After a significant accident, trucking regulations often require the driver to undergo a drug/alcohol test. A positive result would support an injury claim, proving the driver should never have been behind the wheel.
These violations can cause or contribute to a New York semi-truck accident. When pursuing an accident claim, uncovering any such infractions is essential. Evidence of a broken safety rule helps explain why the crash happened and becomes powerful proof of negligence in your case.
How Trucking Regulations Influence Liability and Insurance Claims
Trucking regulations don’t just exist on paper – they have real teeth in legal claims after an accident. Here’s how these rules can influence liability and insurance claims when you pursue compensation:
Establishing Fault through Violations: In a typical car accident, you must prove the other driver was “negligent” (careless) by showing they breached a duty of care. In truck accidents, safety regulations provide a clearer standard. If a truck driver or company violated a law or rule that caused the accident, it can automatically establish negligence under the doctrine of negligence per se. In plain English, negligence per se means the law was broken, so the offender is presumed negligent. For example, if records show the trucker drove 14 hours without rest (breaking the hours-of-service law) and then crashed into you, you can use that violation to prove they were at fault. This strengthens your case – you’re not just saying the driver was careless, you have concrete evidence that they disobeyed safety rules.
Liability for Trucking Companies: Regulations also affect who can be held liable. Truck drivers usually work for or under the authority of trucking companies, and those companies have their own legal duties. New York and federal rules require companies to vet, train, and supervise their drivers properly. Companies must ensure drivers have valid CDLs, conduct background checks, enforce hours-of-service compliance, maintain their fleets, and more. If a trucking company fails in these duties – hiring a driver with a bad safety record or ignoring FMCSA maintenance schedules – the company can be directly liable for an accident. Moreover, under a principle called Reagiere überlegen, an employer is vicariously liable for the negligence of its employee drivers in the scope of work. The truck driver and the trucking company’s insurance may owe you damages. This is a good thing for victims: it opens up additional insurance coverage. It allows a financially responsible party (the company) to pay a claim, which is especially important in catastrophic injury cases.
Higher Insurance Requirements: Due to federal and state requirements, semi-trucks carry far more insurance coverage than regular cars. Under FMCSA rules, an interstate trucking company must have at least $750,000 in liability insurance (often $1 million or more), and even higher limits (up to $5 million) if hauling hazardous materials. New York State also mandates similar high coverage for trucks operating only within the state. This means if a commercial semi-truck injures you, a sizable insurance policy is typically available to cover your losses. By comparison, a normal passenger car in NY might carry only $25,000 of liability insurance minimum – a New York semi-truck accident is much more likely to involve policies that can compensate for a serious injury. However, accessing that insurance is not always simple. Trucking insurers are experienced in denying or minimizing claims, and they’ll look for ways to argue the victim was at fault or that some technicality should reduce the payout. This is where having a New York truck accident lawyer is crucial – we know how to use the trucking regulations (and the evidence of any violations) to hold the insurer fully accountable.
Influence on Insurance Claims Process: After a semi-truck crash, the investigation tends to be more complex than a standard fender-bender. Multiple entities may investigate: local police, possibly federal authorities (especially if there’s a fatality or major hazmat spill), and insurance companies for both sides. Trucking regulations require carriers to keep certain records, like driver logs and electronic data recorder (EDR) “black box” data. These records can be obtained and used in your claim to prove a violation or the truck’s actions (speed, brake usage, etc.) before the crash. It’s important to act quickly, because companies are only required to keep logs for a limited time (some data can be overwritten in weeks). We often see victims unsure of how to get such evidence, which is why legal help is important – an attorney can send spoliation letters and use court orders to preserve critical evidence. All of this plays into the insurance claims: when the trucking company’s insurer sees strong evidence of a rule violation and clear fault, they are more likely to negotiate a fair settlement rather than risk losing badly in court.
No-Fault Insurance and Serious Injury: New York ist ein no-fault insurance state for auto accidents, meaning your own car insurance (Personal Injury Protection, PIP) typically pays for your initial medical bills and lost wages up to $50,000, regardless of who caused the accident. This applies in truck accidents too – if you were in a car hit by a truck, you can file for no-fault benefits right away to cover hospital bills and such. However, no-fault does nicht cover pain and suffering or damages beyond the PIP limit. To step outside the no-fault system and file a liability claim against the truck driver/company, your injuries must meet New York’s “serious injury” threshold (e.g. broken bones, significant disfigurement, long-term limitation, or substantial disability). Given the severe nature of many truck crashes, victims often do meet this threshold – catastrophic injuries are unfortunately common when an 18-wheeler hits a smaller vehicle. Once you establish a serious injury, you can pursue a full claim for all damages (medical expenses, long-term care costs, lost earning capacity, pain and suffering, etc.) against the at-fault parties. Understanding this threshold is key: some people mistakenly assume that alle their bills will automatically be paid because trucking insurance is large. In reality, you must navigate no-fault first, then prove serious injury to go after the larger policy – a process that a semi accident attorney in New York can guide you through step by step.
In summary, trucking regulations provide both a roadmap to prove liability and a pathway to maximize compensation. If those rules were broken, your attorney will use that to establish fault. And thanks to regulations, there’s usually more insurance available, which is crucial for covering the long-term impacts of a truck accident injury. Next, we’ll walk through what you should do after a truck accident in New York, following a timeline of steps to protect your rights.
Key Elements of a Semi-Truck Accident Claim in New York
Every semi-truck accident claim has a few core elements you and your attorney must establish to seek compensation. Understanding these key components will help you see how regulations and evidence fit into the bigger picture of your case:
Liability (Fault): First and foremost, we must prove that the truck driver and/or other parties were at fault for the accident. This involves showing they were negligent, and as discussed, a regulatory violation can be a strong proof. Key evidence for liability might include the police report, eyewitness statements, photographs of the scene, and expert analysis of the crash. We often use electronic evidence like ELD logs and EDR “black box” data in truck cases to piece together the truck’s actions. If the truck driver was speeding, following too closely, or violating hours-of-service rules, those details bolster the liability case.
Additionally, identifying all liable parties is crucial. Aside from the driver, liable parties can include the trucking company (employer), the truck’s owner (if different), a maintenance contractor (if poor maintenance caused the crash), or a cargo loader (if improper loading led to the wreck). New York law (VTL § 388) also generally holds the vehicle owner responsible for the driver’s negligence, which can be important if the truck is owned by a company or leased.
Damages (Your Losses): Even if liability is clear, you can only recover compensation if you suffered damages – which, in a truck accident, is unfortunately often the case. Schäden include both economic and non-economic losses. Economic damages cover tangible financial costs: medical and rehabilitation bills, future medical expenses (for surgeries, therapy, medications, assistive devices), lost wages, and loss of earning capacity if you can’t return to work or can’t earn as much as before. Non-economic damages cover the human impact: pain and suffering, mental anguish, emotional distress, and loss of enjoyment of life. Truck accidents frequently cause life-altering injuries – we’re talking about spinal cord injuries, traumatic brain injuries, multiple fractures, burns, or organ damage. These injuries can lead to long-term or permanent disability, which means the value of a semi-truck accident claim is often high. It must account for lifelong care or accommodations (for example, costs of a wheelchair or prosthetics, home modifications, in-home nursing care, etc.). Documenting damages requires all those medical records, expert opinions (like from doctors about future treatment needs), and sometimes economists or life-care planners to quantify long-term costs. Don’t forget property damage as well – if your vehicle was totaled, that’s another claim to be handled.
Causation: This element connects the first two – it’s not enough to show the truck driver was negligent and that you have damages; you must link the negligence as the cause of your damages. In legal terms, we prove that the accident (caused by the trucker’s fault) directly resulted in your injuries and losses. Usually this is straightforward if you were healthy before and badly injured after the crash, but sometimes insurers try to argue that your injuries were pre-existing or from another incident. That’s why prompt medical documentation and possibly medical expert testimony (to say “Yes, the trauma from the crash caused this injury”) can be important, especially for complex injuries. Causation can also involve showing that a specific regulatory violation was connected to the crash. For instance, if the driver violated hours-of-service but the crash cause is unclear, we’d strengthen causation by showing the driver actually fell asleep or had slowed reaction due to fatigue at the time of impact. Or if the truck was overloaded, we’d connect that to why it couldn’t stop in time when traffic slowed down.
Compliance with Procedural Rules: A successful claim also means following the legal procedures and timelines. This includes the statute of limitations (filing any lawsuit on time) and, if any government entities are defendants (e.g. if you were hit by a municipal garbage truck), special notice of claim requirements. Additionally, New York’s comparative negligence rule may come into play – if the defense claims you were partly at fault (for example, arguing a car cut off the truck), we have to address that. Even if a victim shares some fault, they can still recover in NY, but their compensation is reduced by their percentage of fault. A strong trucking case anticipates these arguments. Finally, negotiating or litigating a truck accident claim often involves dealing with aggressive insurance companies and defense lawyers hired by the trucking company. They might use tactics to undermine your case, like surveilling you or disputing the severity of your injuries. Part of our role is to counter these tactics with solid evidence and advocacy.
In summary, a semi-truck accident claim in New York boils down to proving who was negligent, how that caused your injuries, and how much those injuries have cost you (financially, physically, and emotionally). Trucking regulations intersect with these elements primarily by defining negligence standards and providing critical evidence. When all the pieces come together – clear fault, serious damages, and unbroken causation – you have a strong case to present for full compensation.
Seeking Legal Help After a Semi-Truck Accident
Navigating the aftermath of a truck accident is challenging, but you don’t have to go it alone. Given the legal and technical complexities we’ve discussed, having the right attorney can make all the difference. It’s not just about having a lawyer – it’s about choosing one with the experience, resources, and dedication to handle a semi-truck accident case properly.
Why Napoli Shkolnik Is a Strong Choice for Your Truck Accident Claim
When you’re looking for a New York truck accident lawyer to represent you, you want a firm that understands both the big picture and the fine details of trucking litigation. Napoli Shkolnik is an established law firm with a proven track record of helping accident victims across New York. Here’s why we believe our firm is a strong choice to help with your semi-truck accident claim:
Extensive Experience with Truck Accident Cases: Our legal team has decades of collective experience specifically with truck and commercial vehicle accidents. We know the state and federal laws that govern trucking by heart, from New York’s VTL statutes to the latest FMCSA regulations. This isn’t something every personal injury attorney can say. Truck cases aren’t just bigger car accidents – they’re a unique subset, and our attorneys have handled numerous trucking cases successfully. We understand the common tactics trucking companies use to avoid liability, and we counter them with experience-backed strategies.
Thorough Investigation and Resources: Napoli Shkolnik has the resources to investigate truck accidents properly. We work with top-notch accident reconstruction experts, forensic investigators, and medical specialists as needed. We will dig into driver logs, black box data, maintenance histories, and the trucking company’s safety record to build the strongest case possible. Our approach is proactive and exhaustive – from day one, we prepare each case as if it will go to trial (even though many settle), which puts us in a powerful negotiating position. We often see victims struggle when trying to gather evidence independently, but with Napoli Shkolnik, you gain a team that does the heavy lifting for you.
Understanding and Compassion: Beyond the legalities, we know this is a personal and painful time for you. Our attorneys and staff will treat you with compassion and respect. We take the time to explain your options in plain language and keep you updated on progress. At Napoli Shkolnik, we often say that we don’t just represent cases, we represent people. We are here to answer your questions (no question is too small) and to provide reassurance when the process feels overwhelming. Our goal is to reduce your burden, not add to it.
Proven Results and Client Focus: Our firm has a strong history of results, including substantial settlements and verdicts for accident victims. While past success doesn’t guarantee future outcomes, it demonstrates our capability. More importantly, we are trial-ready lawyers – meaning if the insurance company won’t offer a fair settlement, we are fully prepared to take your case to court. Many law firms handling injury cases have never or rarely tried a case; trucking companies know which lawyers will go to trial. Napoli Shkolnik’s reputation as dedicated litigators can encourage defendants to offer fair compensation sooner rather than face us in front of a jury. We also operate on a contingency fee, so you pay nothing upfront and absolutely nothing at all unless we win compensation for you. This aligns our interests completely with yours – we are motivated to get the best outcome for you because it’s the best outcome for us, too.
Local Knowledge, National Reach: Our firm is based in New York with offices and attorneys who know local courts and communities. But we also have a national presence and handle cases across the country. For you, this means we have both the New York-specific know-how (like understanding unique local trucking routes, state laws, and even New York City regulations such as bridge clearance issues or parkway restrictions) and the breadth of experience dealing with large trucking insurers and companies nationwide. We’re as comfortable negotiating in a conference room as speaking in a New York courtroom.
Häufig gestellte Fragen
How do New York’s semi-truck regulations impact my accident claim?
Trucking regulations can significantly strengthen your accident claim. If the truck driver or company violated any safety rules (state or federal) and that contributed to the crash, it helps prove they were at fault. For instance, if the driver broke hours-of-service rules and was fatigued, or the truck was over the legal weight limit, those violations show negligence clearly. Your lawyer can use evidence of these infractions (from logbooks, inspections, etc.) to establish liability. Additionally, regulations mean the trucking company likely has higher insurance coverage, which affects your claim by providing a larger pool of funds for compensation. In short, these laws set standards of care – when they’re broken, it directly impacts your case by making liability easier to prove and tapping into insurance required by law.
Who can be held liable in a semi-truck accident in New York?
Potentially several parties. The negligent truck driver can be held liable. However, in New York, the truck driver’s employer or trucking company is usually liable under the law (as long as the driver was on the job), and the company’s insurance often pays out. The trucking company might also be liable if they violated rules, for example, by performing poor maintenance, hiring an unqualified driver, or pressuring drivers to break safety laws. Other liable parties can include the owner of the truck or trailer (if different from the carrier), a maintenance contractor (if a mechanical failure due to negligent upkeep caused the crash), or a cargo loading company (if improper loading led to the accident). In rare cases, even a manufacturer could be liable if a truck part failed (like faulty brakes or tires). Determining liability in a semi-truck accident often requires investigation into all these angles. That’s why having a lawyer is helpful – identifying all defendants who may owe you damages. Holding multiple parties accountable can be key to getting full compensation, especially if one party’s insurance isn’t enough to cover everything.
What if the truck driver broke a rule, like hours-of-service or drunk driving – does that guarantee I win my claim?
It certainly helps your claim a lot, but nothing is guaranteed automatically. A clear rule violation (such as the driver was over their hours limit, or they failed a post-accident alcohol test) is robust evidence of negligence. Essentially, the law was broken, so they were negligent an sich. This usually means liability is easier to prove. However, you must still connect that violation to the accident and your injuries. For example, if a driver was 2 hours over their limit, we’ll argue they were fatigued and that caused the crash – that’s usually a reasonable inference. Still, it might require expert support or additional evidence (like logs showing they hadn’t rested). In the case of drunk driving, it’s often straightforward to link impairment to cause. Assuming causation is clear, the primary battle becomes about the extent of your damages (the defense might still dispute how injured you are or what compensation is appropriate). In practice, trucking companies seek a settlement when there’s a serious violation because they don’t want to face a jury with that against them. So while it doesn’t “guarantee” a win (you still need to go through the claims process), a rule violation puts you in a powerful position. Working with your attorney to document the violation thoroughly and use it effectively in negotiations or court is essential.
Will all my medical bills be paid after a New York truck accident?
Not automatically, but you do have multiple avenues for getting them paid. Initially, your no-fault insurance (PIP) will cover your emergency treatment and medical bills up to $50,000 (and sometimes more if you purchased additional coverage). These no-fault benefits kick in regardless of fault, so use them immediately for hospital and doctor bills. However, in a serious semi-truck accident, medical bills can easily exceed $50,000, and no-fault doesn’t cover things like pain and suffering. To cover the rest of your medical bills (and other losses), you must pursue a claim against the at-fault truck’s insurance. In the ideal outcome – a successful settlement or verdict – all your accident-related medical expenses sollen be paid by the defendant’s side, either as you incur them or reimbursed later. Keep in mind, this can take time. In the meantime, make sure to use health insurance if you have it, to keep bills manageable, and let your providers know you were in an accident (they may work with you on payment pending the claim). Also, be aware of lienholders: your health or no-fault insurer might seek reimbursement from any settlement for what they paid (this is normal in NY). A lawyer will help negotiate those liens. So, while ultimately all medical bills can be claimed, getting there is a process. The key is not letting bills go to collections – communicate with hospitals, use available insurance, and include every medical cost in your truck accident claim. (For more details on this topic, see our article on “After a Truck Accident in NYC, Will All Your Medical Bills Be Paid?” which delves deeper into how medical bills are handled.)
Do I need a New York truck accident lawyer to handle my case?
Technically, you can file a claim independently, but having an experienced attorney for a semi-truck accident case is highly advisable. Remember, the trucking company and their insurer will have professional adjusters and lawyers working from day one to protect their interests. As a victim, you deserve someone to protect dein interests. A New York truck accident lawyer (especially one familiar with semi-truck accidents) brings a lot to the table: knowledge of complex trucking laws, the ability to quickly gather and preserve crucial evidence, experience negotiating with large insurers, and the skill to value your claim properly (including future losses). They can also relieve you of the paperwork and legwork so that you can focus on healing. Without a lawyer, you might miss out on key compensation – for example, you might not realize you can claim future lost earning capacity or overlook a second liable party. Also, studies have shown that injury victims with legal representation often recover significantly more, even after attorney fees, than those who go it alone. In a serious accident, there’s just too much at stake. An attorney typically works on contingency, so there’s no upfront cost. Considering the complexity and high stakes of truck accident claims, hiring a lawyer is strongly recommended to ensure your rights are fully protected and you’re not taken advantage of by the insurance company.
Moving Forward After a Truck Accident
Facing the aftermath of a semi-truck accident in New York is daunting, but you don’t have to face it without help. State and federal trucking regulations exist to protect you, and if they were violated, they can provide powerful support for your accident claim. From understanding laws like VTL § 385 to leveraging FMCSA safety rules, knowledge is power when recovering from a New York semi-truck accident. We hope this guide has answered your questions and given you a clearer picture of what to expect.
Kontakt Napoli Shkolnik for the legal guidance you need to navigate your claim and secure the compensation you deserve. Give us a ring at (844) 234-5481 oder kontaktiere uns today to take the first step towards safeguarding your future.