You have a clear, step-by-step guide on how claims work for truckers:   
   
 How Claims Work: A Step-By-Step Guide for Truckers  
   
 Claim Work (Step 1): Immediate Response at the Scene  
  - Ensure safety first—check for injuries and call emergency services if required.  
  - Attempt to move your truck out of the traffic, to a safe position if possible.  
  - Contact the police and obtain a copy of the police report for the accident.  
  - Take videos and photos of the accident scene, all vehicles involved, damages to the vehicles, all road conditions, and other vehicles involved to accuratly estimate the damage.  
  - Exchange information with other parties (drivers, witnesses, police officers) visit the website
   
 Claim Work (Step 2): Contact Your Insurance Provider  
  - Call your insurance company to inform them about what happened at the earliest.  
  - Tell the insurer what was the exact time and date the accident occurred, where it took place, and the people that were involved in it.  
  - Provide additional documents including pictures, the police report if available and other documents.  
   
 Claim Work (Step 3): Place Claim Request
  - The claim will be handled by a claims adjuster from your insurance.  
  - The claims adjuster might need further documents details like:  
    i. Estimates for repairs on the truck  
    ii. Medical documents (if any)  
    iii. Affidavits from witnesses  
  - Other insurance will have to be informed as well in case of damaged inventory.  
   
 Claim Work (Step 4): Review And Adjust Claims  
  - Your insurance will process the claim to confirm that all parts of the claim is genuine including supporting facts and damages incurred.  
  - Other than your insurance, they may need access to your truck or may send a third party appraiser to inspect the damages.

- In case a liability is contested, further probes (interviews, video recordings) may be necessary.  

Step 5: Final Settlement of the Claim

- If approved, the insurance provider will arrange for a settlement:  

  - **In regard to the damage on the truck**: There will payment for repairs done on it or replacement will charged accordingly.  

  - Cargo damage: There will be reimbursement per the motor carrier's liability and insurance policy.  

  - To the medical bills: Cover the injures sustained (If covered in your plan).  

- The claim denial causes an appeal to be filed or legal counsel to be determined.  

Step 6: Repairs and Getting Back on the Roads  

- The received payment will mark the start of required adjustments.  

- Collect all expenses and bill pertinent to final adjustments of the settlement.  

- If dollies to mount rental truck is part of your policy, procure the inquires above.  

Ensure a Seamless Claim Process: Key Tips  

✔️ Make sure that you have maintenance and inspection logs.   

✔️ Furthermore, in order to avoid claim denials, try to follow FMCSA regulations.  

✔️ Putting your money into dashcams can ensure clear evidence of the accidents.  

✔️ Make use of the services of an experienced insurance broker and cover yourself properly.