Truck Injury Lawyer Blog : Truck Accident Lawyer & Attorney: Morgan Adams : Contingency Fee Truck Accident Lawyer

A recent case will have significant impact on truck accident attorneys and lawyers litigating insurance coverage in trucking cases. In Carolina Casualty v. Yeates, 584 F.3d 868 (10th Cir. 2009) (en banc), the court held that the MCS-90 Endorsement applies as surety coverage when the underlying insurance policy to which it is attached provides no coverage for the loss and the motor carrier’s insurance coverage is not sufficient, IN AGGREGATE, to satisfy the federally prescribed minimum levels of financial responsibility.

As a result of Yeates, Defendant trucking companies and insurers will argue that an insurer’s MCS-90 coverage does not come into play when a plaintiff has already received a payment, from all sources, equal to the minimum statutory insurance coverage amount. See Also: Casper v. American Intl S. Ins. Co., 2009 WL 4984797 (Wis. App.)

The Truck Accident Lawyers at the Law Offices of Morgan Adams concentrate in protecting the rights of those who were seriously injured or lost a loved one in an accident with a commercial truck or bus. Our lawyers are based in Tennessee, but serve clients throughout the nation. If you or someone you love has been seriously hurt by a careless driver, don’t sign anything the trucking company gives you -- contact us as soon as possible at 800-580-4878 or by email to learn more at a free, confidential consultation.

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One of the injuries that is of greatest concern for those involved in a truck wreck is a brain injury. While severe brain injuries are easy to identify, mild traumatic brain injuries are not. Explaining the way the brain was injured, and proving to a jury the long term impact of having a brain injury when the victim looks normal, requires training and expertise. I previously blogged on the requirements a competent trucking lawyer should have but I neglected including expertise in handling brain injuries.

Please keep in mind that even though doctors will frequently use the term "mild" to describe many brain injuries, there is nothing mild about brain damage. The use of "mild" by a doctor only means that the person isn' t dead or in a coma. If someones brain is damaged, they have lost their future. They may have memory problems that will have caused them to lose their past. They will never be everything they could have been, even if they do everything they can to try to recover. 

Mild brain injuries typically occur from a wave effect. The brain is like jello, made up primarily of water and is encased in one of the hardest bones in the body, the skull. Because the brain is somewhat fluid, in a wreck it can move and strike the skull. The cells are torn under the forces involved in a wreck. Current medical science makes it clear that it is not necessary for the head to have hit anything in order for brain damage to occur.

Personalities change, memory becomes a problem, frustration and anger are not uncommon. The victim however is able to talk. They don't want to admit anything is wrong, and the family is just so happy for the victim to be alive that they blame the changes on other problems. A questionnaire can help experts determine whether there is a mild traumatic brain injury such as the one that can be downloaded here: Symptom Questionnaire.

If you think someone you love has had some of the changes discussed above have them tested by a neuropsychologist. These are the trained professionals best able to determine whether or not a mild traumatic brain injury has occurred.

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Training remains the number one way to prevent truck rollovers according to government and industry officials. A 2007 report by Battelle Memorial Institute for the FMCSA found “75% [of rollovers] are attributed to driver error.” The primary cause was running off the road, caused by driver fatigue or inattentiveness.”

Trucking companies could reduce rollovers by the following: Lowering a trailer 3” would reduce rollovers approximately 12% annually. A wider trailer track, from 96” to 102”, would reduce rollover’s 17%. The study found the average cost of a rollover was $600,000 and that for every dollar spent on stability control devices the company would save $2.20. According to Steve Niswander, vice president of safety and policy regulatory relations for Groendyke Transport, driver training is still the most effective way to present crashes. (See Transportation Topics, December 10, 2007, p11)

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In a Tractor Trailer rollovers, who is to blame is frequently a major issue. Federal regulations generally require the driver to bear responsibility for the loading, and faulty loading, of the trailer. However an exception is made for loads that are sealed. www.fmcsa.dot.gov/rules-regulations/administration/fmcsr/fmcsrruletext.asp Who then is responsible? Generally speaking it is the company that loaded and sealed the trailer. Frequently these companies point at the driver and blame him for excessive speed and allege this is the real cause of the collision. While this may be a cause in wrecks, there are a number where the driver is as much of a victim as any other innocent party and,  it is the company that improperly loaded the trailer who is truly at fault.

In 2002 new rules on securing cargo were adopted that went into effect  Jan 1, 2004. www.fmcsa.dot.gov/rules-regulations/truck/vehicle/cs-policy.htm The new rules require motor carriers to change the way they use cargo securement devices to prevent articles from shifting on or within, or falling from commercial motor vehicles. The changes may require motor carriers to increase the number of tie-downs used to secure certain types of cargo. If you have a case where a truck rolled over, or material fell off of a truck. these rules would also apply to those companies loading and sealing trailers. It is critical that experts be retained as soon as possible to determine if a cargo securement issue is involved in a collision, and to determine who is at fault for the improperly loaded trailer.

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