How NITIC Handles Truck Accident Claims

The National Independent Truckers Insurance Company (NITIC) specializes in providing insurance to independent truckers and small trucking businesses. If you’ve been involved in an accident with a truck insured by NITIC, you’ll need to understand how their claims process works and the challenges you may face. NITIC focuses on offering affordable coverage, but this can sometimes mean limited payouts and aggressive tactics to minimize claim amounts.

At Zinda Law Group, we help clients who have been injured in truck accidents navigate the complexities of dealing with insurance companies like NITIC. Here’s what you need to know about how they handle claims and how you can protect your rights.

What Is NITIC?

The National Independent Truckers Insurance Company provides insurance primarily for:

• Owner-operators of commercial trucks.
• Small trucking companies.
• Independent contractors.

NITIC policies typically include coverage for:

• General liability.
• Cargo insurance.
• Physical damage coverage.
• Motor truck liability and motor truck cargo.

Because they cater to small businesses and independent operators, their policies often have narrower coverage limits compared to larger trucking insurance companies.

How Does NITIC Handle Claims?

Filing a claim with NITIC after a truck accident typically involves the following steps:

1. Reporting the Accident

The truck driver or trucking company insured by NITIC will report the accident to the insurer. You, as the victim, may also contact NITIC directly to report a claim.

2. Investigation

Once a claim is filed, NITIC will assign an adjuster to investigate the accident. The adjuster will:

• Review the police report and accident details.
• Collect statements from the truck driver and witnesses.
• Evaluate evidence, including photos of vehicle damage and road conditions.
• Analyze black box data from the truck, if available.

3. Determining Fault

NITIC will determine who was at fault for the accident. They may try to argue that you were partially or fully at fault to reduce their liability under comparative negligence rules.

4. Settlement Offer

The insurance adjuster will calculate your damages and present a settlement offer. Initial offers are often low and may not reflect the full extent of your losses.

5. Negotiation or Litigation

If you reject the settlement offer, your attorney can negotiate on your behalf or take legal action if necessary.

Challenges When Negotiating with NITIC After a Truck Accident

1. Limited Coverage Limits

NITIC policies often have lower coverage limits than those provided by larger insurers. This can make it more difficult to recover the full compensation you need, especially if your injuries are severe.

2. Aggressive Adjusters

Because NITIC caters to small businesses, their adjusters may use more aggressive tactics to minimize payouts and protect their bottom line.

3. Comparative Negligence Claims

NITIC may argue that you were partially at fault for the accident, which can reduce your settlement under comparative negligence rules.

4. Delays in Resolving Claims

Prolonged investigations and settlement negotiations can lead to delays in receiving compensation.

Steps to Take After a Truck Accident Involving NITIC

Taking the right steps after an accident can strengthen your claim and improve your chances of recovering fair compensation:

1. Call 911

• Report the accident and ensure that law enforcement files an official report.
• Request medical assistance if needed.

2. Document the Scene

• Take photos of the accident scene, vehicle damage, and any injuries.
• Collect contact information from the truck driver and any witnesses.

3. Seek Medical Attention

• Even minor injuries should be evaluated by a doctor to rule out underlying issues.
• Keep detailed records of your medical treatments and expenses.

4. Avoid Speaking with Adjusters Alone

• Do not give recorded statements or sign documents from NITIC’s adjusters without consulting an attorney.

5. Contact a Truck Accident Lawyer

An experienced NITIC truck accident lawyer at Zinda Law Group can help you navigate the claims process and fight for the compensation you deserve.

What Damages Can You Recover?

With the help of a lawyer, you may be able to recover the following types of damages:

1. Economic Damages

• Medical bills, including future treatment costs.
• Lost wages and reduced earning capacity.
• Property damage.

2. Non-Economic Damages

• Pain and suffering.
• Emotional distress.
• Loss of enjoyment of life.

3. Punitive Damages

If the truck driver or trucking company acted with gross negligence, punitive damages may also be available.

How an Attorney Can Help You Deal with NITIC

Dealing with a smaller insurance company like NITIC can be challenging, especially if their policies have limited coverage. Here’s how an attorney can help:

1. Investigate the Accident

Your attorney will gather critical evidence, such as:

• Police reports and witness statements.
• Black box data and driver logs.
• Photos and videos from the accident scene.

2. Negotiate with Adjusters

An experienced lawyer will counter low settlement offers and push for fair compensation.

3. Handle Legal Complexities

Truck accident cases often involve federal regulations and comparative negligence laws. Your attorney will ensure these complexities are handled correctly.

4. Take Legal Action if Necessary

If NITIC refuses to offer a fair settlement, your lawyer can file a lawsuit and advocate for you in court.

FAQs About NITIC Truck Accident Claims

1. How Long Does It Take to Settle a Claim?

The timeline varies depending on the complexity of the case. Simple claims may settle within a few months, while more complicated cases can take over a year.

2. Can I Sue NITIC Directly?

No, you cannot sue the insurance company directly. You must file a claim against the trucking company or driver they insure.

3. What If I’m Partially at Fault?

Under Texas law, you can still recover damages as long as you are less than 51% at fault. However, your compensation will be reduced by your percentage of fault.

Call Zinda Law Group Today

If you’ve been injured in a truck accident involving NITIC, you don’t have to face the claims process alone. Call Zinda Law Group at (800) 863-5312 for a free consultation. Let us fight for the compensation you deserve.