Types of Commercial Vehicles
Commercial vehicles encompass any vehicle used for business purposes. Accidents involving these vehicles often involve employer liability under the legal doctrine of “respondeat superior.”
Commercial Vehicle Liability
When an employee causes an accident while performing job duties, the employer may be held vicariously liable. This doctrine significantly expands recovery options for victims.
Employer Liability May Apply When:
- ✓The driver was performing job-related duties at the time of the accident
- ✓The employer negligently hired, trained, or supervised the driver
- ✓The employer failed to properly maintain the vehicle
- ✓The employer knew or should have known about the driver's dangerous propensities
Insurance Requirements
Commercial vehicles typically carry significantly higher insurance limits than personal vehicles, which can mean greater compensation for victims:
| Vehicle Type | Minimum Insurance |
|---|---|
| For-hire carriers (general freight) | $750,000 |
| Hazardous materials transport | $1,000,000 - $5,000,000 |
| Oil transport | $1,000,000 |
| Passenger carriers | $1,500,000 - $5,000,000 |
Filing a Commercial Vehicle Accident Claim
Commercial vehicle accident claims require thorough investigation to identify all liable parties and applicable insurance policies. Key steps include:
- 1
Identify the Vehicle Owner
Determine if the vehicle is owned by the driver, leased, or owned by an employer.
- 2
Determine Employment Status
Establish whether the driver is an employee or independent contractor.
- 3
Investigate the Employer
Review hiring practices, training records, and safety history.
- 4
Locate All Insurance Policies
Commercial operations may have multiple layers of coverage.
- 5
Document Business Operations
Understand the scope of the business and its duty of care.