Determining Liability Framework
When you're hit by a company vehicle, liability typically extends beyond just the driver to include the business that owns the vehicle. Under the legal principle of "respondeat superior" or vicarious liability, employers are generally responsible for accidents their employees cause while performing job duties. This expanded liability often means access to higher insurance limits and potentially more complete compensation for your injuries and damages.
Initial Steps After the Accident
As is standard procedure following an accident, make sure everyone involved is safe, contact the authorities, swap details, find potential witnesses, and take pictures of the site. The name of the company, its contact information, and any apparent commercial insurance information on the vehicle are further pieces of specialized business information that need to be gathered. Find out whether the driver was on the clock and, if so, what their job status is.
Insurance Claim Dynamics
The claim process differs from typical car accidents because you'll likely deal with a commercial auto insurance policy. These policies typically carry much higher liability limits than personal auto insurance—often $1 million or more compared to typical personal policy limits of $25,000-$100,000. This can be particularly crucial if you've suffered serious injuries requiring extensive medical treatment.
Potential Multiple Recovery Sources
Your compensation may come from multiple sources, including:
- The company's commercial auto liability policy
- The driver's personal auto insurance (in certain circumstances)
- Your own uninsured/underinsured motorist coverage
- Workers' compensation (if you were on the job during the accident)
Corporate Defense Strategies
Corporations generally react more assertively to accident claims than individuals, frequently utilizing corporation attorneys, accident reconstruction specialists, and specialized adjusters promptly following an incident. They may also seek to contest whether the driver was operating within the scope of employment at the time of the incident to mitigate company liability.
Legal Representation Considerations
Due to the complex liability issues, multiple insurance policies, and aggressive defense strategies often involved, consulting with a lawyer experienced in commercial vehicle accidents is typically advisable. Many injury attorneys offer free consultations to evaluate your case and explain the specific circumstances affecting your potential compensation.