One questions that people sometimes ask is what makes commercial vehicle accidents different than a regular car accident.  This is a good question, especially when you consider that sometimes company vehicles are the same cars that you or I drive each day.

To understand the difference, you must first understand what a commercial vehicle is.  A commercial vehicle is any vehicle (even a passenger car or truck) that is used by an employee of a business (read more here).

So if company vehicles can be just like normal cars and trucks, why are these cases different than a run-of-the-mill car accident?  It really boils down to one thing:  Insurance Coverage.

Company Vehicles & Insurance Coverage

The main difference between a regular vehicle and a company vehicle, at least when it comes to an accident, is the amount of insurance coverage available to help injured people.

In Texas, the minimum limits standard liability policy is only $30,000.00.  That may sound like a lot of money until you’re seriously hurt in an accident.  A serious injury with broken bones, and a 1-2 night hospital stay can quickly exhaust the $30,000.00 that a normal passenger vehicle in Texas is likely to carry.

However, company vehicles are generally required to carry commercial insurance policies with much higher limits.  But, insurance companies will go to great lengths to hide the fact that the vehicle is a “company vehicle,” and hide the fact that there is more than minimum coverage.

Don’t Fall Victim to Insurance Company Tricks

If you’ve been injured by a vehicle that you suspect is owned by a business, or being used for business purposes, the insurance company will take you for a ride, and do almost anything they can (including dishonesty) to make you think that it’s a regular insurance policy.

Don’t risk your health or your financial future by falling victim to these tactics.

Get experienced and aggressive company vehicle lawyers in your corner today by calling us at (210) 910-4357 right now. 

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