1. Insurance Policy Structure
There is no "calculator" for justice. However, these specific factors dramatically influence the settlement value of a commercial crash case.
A standard car has $25,000 in coverage. A commercial truck must carry at least $750,000, but often carries $1 Million to $5 Million. Finding "excess" or "umbrella" policies is critical.
2. Aggravating Liability (Punitive Damages)
If the company knew the driver was dangerous and hired them anyway ("Negligent Entrustment"), the jury can award punitive damages to punish the company. This drives value up significantly.
The "Multiple Defendant" Factor
We don't just sue the driver. We look for liability in:
- The Carrier (Trucking Company)
- The Broker (Who arranged the load?)
- The Shipper (Did they overload the trailer?)
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