What to Know When a Car Accident Involves a Commercial Vehicle

Car accidents are challenging under any circumstances, but when a collision involves a commercial vehicle—like a delivery truck, company car, or semi-truck—matters can become even more complicated. Commercial vehicle accidents often lead to more severe injuries and complex legal considerations, especially when determining liability and seeking fair compensation. 

At 770GoodLaw, Car Accident Lawyers, we’re dedicated to helping you navigate the unique challenges of accidents involving commercial vehicles. Here’s a closer look at what to consider if you or a loved one has been in a commercial vehicle accident. 

Why Are Commercial Vehicle Accidents Different? 

Commercial vehicles tend to be larger and heavier than passenger cars, which often means a greater impact during a collision. Additionally, there are often multiple parties involved in commercial vehicle operations, such as drivers, vehicle owners, employers, and even third-party maintenance companies. These factors make accidents involving commercial vehicles more complex and, in many cases, more severe in terms of injuries and damages. 

Common Causes of Commercial Vehicle Accidents 

Understanding the causes of commercial vehicle accidents can provide insight into where liability may lie. Some of the most common causes include: 

• Driver Fatigue: Commercial drivers often work long hours with tight deadlines. Fatigue can lead to impaired reaction times, poor judgment, and even falling asleep behind the wheel. 

• Distracted Driving: With drivers handling multiple tasks or communicating with dispatch, distractions are common in the commercial driving industry. 

• Improper Loading or Maintenance: Commercial vehicles require regular inspections and proper loading practices. When cargo is not secured correctly or the vehicle is poorly maintained, the risks of an accident increase. 

• Reckless Driving and Speeding: To meet deadlines, some drivers may resort to speeding, which decreases reaction time and increases the chance of a collision. 

Determining Liability in Commercial Vehicle Accidents 

Unlike accidents between private vehicles, commercial vehicle accidents often involve various responsible parties, which can complicate liability issues. Here are some of the entities that may be held liable: 

1. The Driver: If the accident was caused by the driver’s negligence—such as distracted driving, speeding, or DUI—the driver may be held accountable. However, they may also be operating under employer policies that encourage or even cause unsafe driving practices. 

1. The Driver’s Employer: Employers are responsible for hiring qualified drivers, enforcing safe work practices, and maintaining their fleet. In many cases, the employer can be held liable for the driver’s actions under the principle of “vicarious liability.” 

1. Vehicle Owners or Leasing Companies: Sometimes, commercial vehicles are owned by a third party or leasing company. If poor maintenance or mechanical failures caused the accident, the owner or maintenance provider might share liability. 

1. Cargo Loading Company: For larger commercial trucks, an improperly loaded or overweight vehicle can be a significant hazard. Cargo companies may be held liable if unsafe loading practices contributed to the accident. 

1. Vehicle Manufacturer: If a defective part, such as faulty brakes or steering, played a role in the accident, the manufacturer may bear some liability under product liability laws. 

What Should You Do After a Commercial Vehicle Accident? 

Taking the right steps after a commercial vehicle accident is essential for protecting your rights and building a strong case: 

1. Seek Medical Attention: Even if injuries seem minor, get medical attention immediately. Injuries from commercial vehicle accidents can be severe and may not present symptoms right away. 

1. Report the Accident: File a police report and be sure to mention if the vehicle involved was a commercial one. The police report will serve as an important piece of evidence in your case. 

1. Gather Evidence: If you’re able, collect evidence at the scene. Take photos of the vehicles, the accident site, your injuries, and any relevant road conditions. Get contact information from the driver and any witnesses as well. 

1. Avoid Discussing the Accident: Do not speak with the commercial driver’s employer, insurance company, or legal representative without first consulting an attorney. Anything you say may be used against you to reduce or deny your compensation. 

1. Consult a Personal Injury Lawyer: A lawyer experienced in commercial vehicle accidents can help investigate the accident, determine liability, and advocate on your behalf to secure fair compensation. 

The Role of Insurance in Commercial Vehicle Accidents 

Commercial vehicles are typically insured through policies that provide higher liability coverage than personal auto policies. However, insurance companies often vigorously defend commercial drivers and employers in order to minimize payouts. An experienced attorney can help you navigate negotiations and protect you from unfair settlement offers. 

In many cases, there may be multiple insurance policies at play, such as the driver’s personal insurance, the employer’s commercial insurance, and even third-party policies if cargo or maintenance companies are involved. Your attorney will help identify all potential sources of compensation and determine the best path forward. 

Compensation for Commercial Vehicle Accident Victims 

If you’ve been injured in an accident involving a commercial vehicle, you may be entitled to compensation for: 

• Medical Bills: This includes both immediate medical expenses and ongoing treatment costs. 

• Lost Wages: If your injuries prevent you from working, you may be compensated for lost income and future earning capacity. 

• Pain and Suffering: Physical pain, emotional distress, and other intangible losses may also be compensated. 

• Property Damage: The cost to repair or replace your vehicle or other damaged property is typically included. 

• Punitive Damages: In cases where gross negligence (such as an intoxicated driver or extreme recklessness) is involved, you may also be awarded punitive damages to punish the responsible party. 

How 770GoodLaw Can Help

Commercial vehicle accident cases are complex, and pursuing justice requires a deep understanding of personal injury law and experience with large corporations and insurance companies. At 770GoodLaw, Car Accident Lawyers, we’re committed to guiding you through every step of the process, from investigating the accident and identifying liable parties to fighting for the compensation you deserve. 

Reach Out for a Free Consultation 

If you or a loved one has been injured in an accident with a commercial vehicle, contact 770GoodLaw for a free consultation. We’re here to help you understand your rights, answer your questions, and pursue justice on your behalf. Let us help you hold the responsible parties accountable and secure the recovery you need to move forward. 

Contact us today—our team is ready to assist you every step of the way.