(901)-244-5003 
Accidents involving commercial vehicles can be far more complex than standard car crashes. Whether you were a driver, passenger, pedestrian, or motorist involved in a collision with a truck, delivery van, or other commercial vehicle, dealing with insurance companies can be challenging. These companies often have aggressive legal teams and adjusters whose primary goal is to minimize payouts.
At The Gold Law Firm, our Memphis personal injury lawyers understand insurers’ tactics and how to fight for the compensation Tennessee accident victims deserve.
Who Is Liable in a Commercial Vehicle Accident?
Determining liability is one of the first challenges in a commercial vehicle accident claim.
Depending on the circumstances, multiple parties could be responsible, including:
- The Driver – If the commercial driver was speeding, distracted, or under the influence, they may be held personally liable.
- The Employer/Trucking Company – Under vicarious liability laws, employers are often responsible for their employees’ actions while on duty.
- The Vehicle Manufacturer or Maintenance Provider – The manufacturer or maintenance provider may share liability if faulty brakes, tire blowouts, or mechanical defects contribute to the crash.
- Third Parties – In some cases, another negligent driver or hazardous road conditions may also be involved in the accident.
Because liability is not always clear, insurance companies will conduct thorough investigations—but their goal is to reduce their financial responsibility.
How Insurance Companies Handle Commercial Vehicle Accident Claims
Insurance companies representing commercial vehicle operators are well-funded and have teams of adjusters and attorneys dedicated to protecting their interests.
Here’s what you can expect when filing a claim:
A Lengthy Investigation
Insurance adjusters will closely examine every detail of the accident, including:
- The police report.
- Dashcam or surveillance footage.
- Black box data (for large trucks).
- Driver logs and employer records.
- Witness statements.
- Medical reports and records.
While this may seem routine, their goal is to find ways to limit or deny your claim.
Attempts to Shift Blame
Even if the commercial driver was clearly at fault, the insurance company may try to:
- Argue that you were partially responsible for the crash.
- Claim that your injuries were pre-existing.
- Suggest that you failed to seek medical treatment in time.
Tennessee follows a modified comparative negligence rule, meaning if they can prove you were more than 50% at fault, you could be barred from recovering compensation.
Quick, Lowball Settlement Offers
Insurance companies often offer fast settlements to resolve claims before accident victims fully understand the extent of their injuries.
These offers are typically far lower than what you may need to cover:
- Ongoing medical expenses.
- Lost wages due to missed work.
- Pain and suffering.
If you accept a low settlement too soon, you may waive your right to pursue additional compensation.
Delays and Denials
Some insurers use delay tactics to frustrate claimants, hoping they will give up or accept a lower payout.
They may:
- Request excessive documentation.
- Claim they are still reviewing liability.
- Outright deny the claim without valid justification.
If you encounter these tactics, working with an experienced attorney can help push back against these unfair practices.
How The Gold Law Firm Can Help
At The Gold Law Firm, we have extensive experience handling company vehicle accident claims in Memphis.
Our team will:
- Investigate the accident to establish liability.
- Gather critical evidence, including black box data and driver logs.
- Handle all communications and negotiations with insurance companies.
- Fight to recover full compensation for medical expenses, lost wages, and pain and suffering.
Call or text (901) 244-5003 or contact us online for your free consultation today, and let us fight for the justice you deserve. We work on a contingency fee basis, meaning you don’t pay unless we win your case. With over 165 five-star reviews, a wealth of client testimonials, and a proven track record of recovering tens of millions in compensation for our clients.