Case Results
Case StudiesReal Recoveries for Insurance Companies
Regional Insurer / Multi-Unit Collision
Loss: Insured’s tractor-trailer damaged in a chain-reaction truck accident
Challenge: Mixed liability and delayed repair parts
Action: We contacted the insured’s driver to obtain clear dashcam footage. We coordinated documentation with the fleet manager and shop, established clear repair justification, and pursued full repair costs and out-of-pocket expenses through the subrogation process.
Result: $45,000 recovered including deductible and partial downtime compensation after proving liability with clear evidence.
Owner-Operator Policy / Denied Liability
Loss: Tractor struck while parked in truck stop; at-fault carrier disputed causation
Action: Our investigation secured truck stop video footage, police report, photos of point of contact and scene, and repair timeline. We provided this strong evidence through a comprehensive subrogation claim to seek reimbursement from the at-fault party.
Result: Full recovery of $21,700, including deductible reimbursement and towing charges.
Fleet Policy / Self-Insured Retention
Loss: Totaled vehicle within a $50,000 SIR threshold
Action: We represented the trucking company to handle totaled equipment and out-of-pocket costs through insurance subrogation.
Result: Net gain of 18% over expected recovery because we recovered loss of use for the downtime of the equipment.
Case StudiesResults for Transportation Carriers
Case 1: Regional Insurer / Multi-Unit Collision - Effective Recovery
Loss: Insured’s tractor-trailer damaged in a chain-reaction crash
Challenge:
Mixed liability and delayed repair parts in complicated subrogation scenario
Action:
We contacted the insured’s driver to obtain clear dashcam footage. We coordinated documentation with the fleet manager and shop, established clear repair justification with thorough investigation, and pursued the full repair costs and out-of-pocket expenses.
Result:
$45,000 recovered including deductible and partial downtime compensation after proving liability with clear evidence. Effective subrogation through comprehensive demands demonstrating our record of success in handling complex claims.
Case 2: Owner-Operator Policy / Denied Liability
Loss:
Vehicle struck while parked; at-fault carrier disputed causation in subrogation claim
Challenge:
Party denied responsibility despite clear evidence
Action:
Investigation by the firm’s attorneys secured facility video footage, police report, photos of point of contact and scene, and repair timeline. We provided this strong evidence of liability through a comprehensive claim with proper valuation and provable damages.
Result:
Full recovery of $21,700, including deductible reimbursement and towing charges. Record of success handling complicated subrogation disputes.
Case 3: Fleet Policy / Self-Insured Retention
Loss:
Totaled vehicle within a $50,000 SIR threshold
Challenge:
Self-insured companies absorbing costs before excess coverage applies
Action:
We represented the motor carrier to handle repair and out-of-pocket costs with detailed analysis.
Result:
Net gain of 18% on expected recovery because we were able to recover loss of use for the downtime of the equipment, demonstrating how thorough pursuit achieves recovery beyond standard property damage.
Case 4: Regional Delivery Fleet / Six-Week Downtime
Loss:
Distracted motorist caused collision; vehicle out of service for six weeks
Challenge:
At-fault insurer claimed loss of use was “speculative” and offered repair costs only
Action:
We compiled evidence including detailed timeline, proof of mitigation, proof of lost income, and documentation that rental wasn’t available. We provided average daily revenue calculations with specific knowledge and experience in trucking economics.
Result:
Recovered over $36,000 in downtime and rental reimbursement, fully covering equipment’s net loss. Proven track record demonstrating effective recovery on complex matters.
Case 5: Self-Insured National Fleet / Chain-Reaction Crash
Loss:
Not-at-fault chain-reaction crash on I-10; $75,000+ in repair and towing, plus 29 days downtime
Challenge:
$85,000 SIR before excess coverage applied; needed recovery within retention
Action:
Leveraged financial calculations, expert advice and reports, strong demand letters with thorough investigation and analysis
Result:
Secured full reimbursement of SIR amount without litigation, allowing risk management team to reallocate funds. Record of success in handling multi-party claims across state and federal jurisdictions.
Case StudiesReal Results Fleet Subrogation
Recovering Downtime for a Regional Carrier
A regional carrier operating 45 trucks experienced a collision caused by a distracted motorist. The tractor was out of service for nearly six weeks. The insurer for the at-fault driver initially offered to pay repair costs only, claiming loss of use was speculative.
Eckert & Associates, P.A. compiled evidence including:
- Detailed timeline of the incident and repair period
- Proof of mitigation of damages
- Proof of loss of income
- Documentation that a rental would not have been available
- Average daily revenue the damaged equipment would have been earning
Through detailed negotiation, industry-specific documentation, and a custom calculation, the firm recovered over $36,000 in downtime and rental reimbursement, fully covering the equipment’s net loss for the period.
Success for a Self-Insured Company
A self-insured company operating a national operation had an $85,000 Self-Insured Retention before excess coverage applied. After a chain-reaction crash on I-10 that was not their fault, the company faced over $75,000 in repair and towing expenses, plus 29 days of downtime.
By leveraging dash cam video, financial calculations, expert advice and reports, as well as strong demand letters and follow-up, Eckert & Associates, P.A. secured a full subrogation recovery of the SIR amount, avoiding the need for litigation and allowing the company’s risk management team to reallocate funds back to fleet safety and equipment upgrades.
Case StudiesResults for Limousine Companies
Scenario 1: Independent Limo Driver – Rear-Ended at Red Light
You’re stopped at a traffic light when another vehicle strikes your stretch limousine. The other driver was clearly at fault, but:
- Your limo needs extensive rear-end repairs
- Specialty parts are on backorder for weeks
- You have wedding bookings throughout the repair period
- The at-fault driver’s insurance is offering minimal loss of use
Our property damage attorneys document your wedding season income, prove the parts delays, and push to recover full loss of use plus diminished value.
Scenario 2: Black Car Fleet – Multiple Vehicles in Parking Lot Accident
A negligent driver crashes through your parking lot, damaging three executive sedans. Your limousine company faces:
- Simultaneous repairs on multiple units
- Corporate contracts you can’t fulfill
- Rental costs that exceed the insurance company’s allowance
- Business reputation damage with key clients
Our accident attorney pursues claims for all three vehicles, documents your corporate contract losses, and recovers full compensation.
Scenario 3: Party Bus – Intersection Collision During Event
Your party bus is struck by a red-light runner while transporting passengers to a wedding. The limousine accident involves:
- Significant structural damage requiring specialized repair
- Passengers who suffered personal injuries (handled by a personal injury attorney)
- Lost bookings for the entire summer wedding season
- Your commercial insurance deductible
Our law firm coordinates the property damage claim while personal injury attorneys handle passenger injury cases.
Scenario 4: Airport Sedan Service – Total Loss
A distracted driver causes a high-speed collision that totals your luxury sedan. As an independent limo driver, you face:
- Insurance company offering far below replacement cost
- No vehicle to generate income during replacement search
- Pressure to accept a quick settlement to survive financially
- Unclear whether you can claim lost income during replacement period
Our accident attorney fights for fair market value plus loss of use during reasonable replacement time.