While it is not usual for an insurance representative to arrive immediately at the scene of a car versus car accident, it is very common in an accident involving a bus, train, etc. Businesses or city governments usually control and own these commercial vehicles. As such, they have many resources available to them. An investigation will often involve federal agencies, as these are the regulating authority for commercial carriers. Gathering all of the facts, interviewing victims and witnesses can take place long before the victim has recovered from any injuries.

Due to the high degree of exposure, the insurance company will work very hard to settle all claims as soon as possible. In their pursuit to settle the claims fast, you may be at risk of not getting compensated fully. Any victim of such an accident should consult an experienced attorney before signing any forms or accepting any money from the company or city or county. 

Sovereign immunity is a term that means some government agencies are protected in that there is a limit on how much they can pay to people who are injured in an accident. There are some circumstances where immunity is waived, allowing an accident victim to recover a larger settlement. This is crucial, especially when there is a wrongful death or the victim suffered catastrophic injuries.