Truck Accidents and Liability: Know Your Rights in 2024

March 13, 2025 | By Hamblen Injury Law
Truck Accidents and Liability: Know Your Rights in 2024

The aftermath of a truck accident can be overwhelming. From physical injuries to emotional trauma, the impact of a truck accident can be severe. It is vital to seek legal representation to guide you through the legal process and protect your rights.

If you or a loved one has suffered an injury in a truck accident, you may have the legal right to substantial financial compensation. The keys are knowing who to blame for the truck accident and gathering the evidence to show their liability.

Truck Accidents and Liability

While, in many cases, the proper defendant is the trucking company, there may be additional parties that you can sue.

When you hire a truck accident attorney for your case, they will help you learn who was at fault for your accident.

An experienced attorney can explain your legal options and guide you through the steps of seeking payment for your injuries and damages. They will work tirelessly to build a strong case on your behalf and negotiate with insurance companies to ensure you receive fair compensation for your losses.

Your attorney will conduct a prompt and extensive investigation as the basis for filing a claim or lawsuit to seek compensation. However, this is only the first part of the process. You will face a lengthy and complicated fight, which you should not undertake alone.

Contact an experienced truck accident lawyer at (727) 746-5942 to learn more about your legal rights during a free initial consultation.

The Negligent Party Must Pay You Compensation

Negligence is a central legal concept in truck accident cases. To prove negligence, the injured party must show that the at-fault party owed a duty of care and breached that duty, causing injuries or damages as a direct result.

You need evidence that demonstrates every single one of these elements. In the context of trucking, drivers and trucking companies have a legal obligation to operate safely and follow state and federal regulations.

For example, a truck driver may be negligent if they were speeding, distracted, fatigued, or under the influence of drugs or alcohol at the time of the accident. Similarly, a trucking company can be negligent for failing to conduct proper background checks, not maintaining vehicles, or encouraging drivers to violate hours-of-service rules to meet delivery deadlines.

Proving negligence in truck accident claims often requires a detailed investigation, including driver logs, black box data, maintenance records, and accident reconstruction. Establishing negligence is key to holding the responsible party accountable and recovering compensation for medical bills, lost earnings, and pain and suffering.

You may sue everyone whose negligence played a role in your accident. The law can hold multiple defendants liable when their negligent actions cause injuries.

You will need to name the other responsible parties in your lawsuit and prove their truck liability. The parties may apportion liability amongst themselves. The court will do it if the defendants cannot agree.

You should name everyone possible in the lawsuit whose actions contributed to your injuries. More defendants mean more insurance coverage and assets to pay for your damages.

You have a better chance of getting your full payment when you can identify more defendants in the lawsuit. Your truck accident lawyer will conduct a complete investigation to determine who was to blame so you can add every possible party to your lawsuit.

Here are some potentially liable defendants in a truck accident case.

The Trucking Company

Clearwater truck accident lawyer

In many cases, the truck driver is not the only party responsible.

Suing the trucking company after an accident can help recover full compensation for injuries and losses. Trucking companies have deep pockets in the form of insurance coverage and the assets necessary to pay for your damages.

However, liability is not limited to the driver’s conduct. You can also sue trucking companies for negligence, including hiring unqualified drivers, failing to train or supervise them properly, or ignoring known safety issues. 

You can hold a company liable for forcing drivers to exceed hours-of-service limits, not performing regular vehicle inspections, or cutting corners on maintenance.

To succeed in a lawsuit, your attorney will gather employment records, training logs, vehicle maintenance reports, and driver logs. Black box data and surveillance footage may also reveal whether the company prioritized profit over safety.

One common defense trucking companies use is claiming the driver was an independent contractor, not an employee. However, courts often look at the company's level of control over the driver’s work to determine liability.

Suing the trucking company can significantly increase the potential compensation available, as companies generally carry larger insurance policies than individual drivers.

Compensation may include medical expenses, lost earnings, property damage, pain and suffering, and, in some cases, punitive damages for particularly reckless conduct.

An experienced personal injury attorney can help you navigate this process and build a strong case against the responsible company.

Cargo Loaders and Shipping Companies

In some truck accident cases, the cargo loader or shipping company may bear liability if their negligence contributed to the crash. 

Commercial trucks must follow strict federal and state loading and securing cargo guidelines. The consequences can be catastrophic if the cargo loader or shipping company violates these guidelines.

Improperly loaded cargo can shift during transit, causing the truck to become unbalanced or even roll over.

Overloaded trucks can lead to brake failure, tire blowouts, or difficulty stopping. If someone does not properly store or label hazardous materials, they may create additional dangers during or after a collision.

A cargo loader or shipping company may be liable for damages when they fail to follow proper procedures.

Trucking companies often outsource loading responsibilities to third-party contractors. These companies may cut corners, use untrained workers, or ignore regulations to speed up shipments. If an investigation reveals that improper loading contributed to the accident, you can sue the cargo loader or shipping company for negligence.

Your truck accident attorney may examine loading logs, weigh station records, shipping documents, and vehicle inspection reports to prove liability. They may also use expert testimony to show that someone did not handle the cargo properly.

Holding the cargo loader accountable ensures that you identify all negligent parties, which can increase the compensation available to cover medical costs, lost income, pain and suffering, and property damage.

Vehicle and Parts Manufacturers

In some truck accident cases, the cause of the crash is a defective vehicle or part, making the vehicle or parts manufacturer potentially liable. This type of claim falls under product liability law, which holds manufacturers, designers, and distributors responsible when their products are unreasonably dangerous or defective.

Common examples of truck-related defects include brake failures, tire blowouts, steering malfunctions, faulty trailer hitches, and electrical issues. If one of these defects causes or worsens a truck accident, the injured party may have grounds to sue the manufacturer for negligence or strict liability.

There are generally three types of product defects: design defects (a flaw in the product's design), manufacturing defects (an error during the production process), and marketing defects (failure to warn about known dangers). Any of these can provide the basis for a lawsuit.

To succeed in a claim, your attorney will gather evidence such as maintenance records, expert mechanical evaluations, recall notices, and possibly the truck’s “black box” data. Occasionally, accident reconstruction experts may establish how the defect contributed to the crash.

Suing a vehicle or parts manufacturer can be challenging, as these companies often have strong legal defenses and significant resources. However, doing so can lead to higher compensation and may even prompt safety improvements that protect others.

Victims may have the legal right to recover damages for medical expenses, lost earnings, pain and suffering, and property loss.

Third-Party Maintenance Companies

In some truck accident cases, a third-party maintenance company may be liable if its negligent repairs or inspections contributed to the crash. 

Commercial trucks require regular maintenance to remain safe and roadworthy. Many trucking companies outsource this responsibility to independent maintenance providers.

If these companies fail to properly inspect, service, or repair critical components, such as brakes, tires, steering systems, or lights, you can sue them for negligence.

For example, suppose a maintenance company fails to detect worn brake pads or improperly installs a tire that later blows out. In that case, they may be partially or fully responsible for the accident.

To prove liability, your attorney must show that the maintenance company owed a duty of care, breached that duty through substandard work, and that the breach directly caused the accident and your injuries.

Evidence such as work orders, repair logs, inspection checklists, and testimony from expert mechanics can support your claim. Because maintenance companies often work on multiple trucks for the same carrier, patterns of negligence or poor work quality may also help strengthen your case.

Holding a third-party maintenance provider accountable ensures that all negligent parties share responsibility, helping maximize your compensation for medical bills, lost earnings, and other damages.

The Trucking Company May Not Legally Be Off the Hook for Outsourcing

Trucking companies hire several third parties to perform tasks for them and may even engage an independent contractor to operate the truck. However, trucking companies cannot always avoid liability solely because they call someone else an independent contractor.

First, the company may retain some control over a truck driver and consider them an employee.

Second, the trucking company may be liable for negligent hiring and retention based on who they have chosen to work with to receive service.

You can prove a negligent hiring and retention lawsuit when you can demonstrate:

  • Duty of care: The employer owed a duty of care to the plaintiff and the general public to hire and retain only competent and safe employees.
  • Breach of duty: The employer breached that duty by hiring or retaining an unfit, dangerous, or incompetent employee. These violations include failing to conduct background checks, ignoring warning signs, or keeping an employee on staff after the trucking company knew about misconduct or poor performance.
  • Causation: The employee’s unfitness must have caused the plaintiff’s injury, and the injury must have been a foreseeable result of the employer’s negligent hiring or retention.
  • Damages: The plaintiff must have suffered actual harm, such as physical injury, emotional distress, or financial loss, due to the employer’s negligence.

Questions and Answers About Truck Accident Liability

What is the difference between suing the driver and the trucking company?

The primary difference between suing a truck driver and their trucking company lies in the legal basis for the claim and the scope of evidence and insurance coverage available. While both can be named in a lawsuit, they are targeted for different reasons.

  • Claims Against the Driver (Direct Negligence): A lawsuit against the driver focuses on their immediate negligent actions that caused the crash. This includes violations like:
    1. Speeding or reckless driving
    2. Distracted driving (texting, etc.)
    3. Driving under the influence (DUI)
    4. Violating hours-of-service rules, leading to fatigue
  • Evidence for this claim is often tied directly to the driver and the scene, such as the driver’s logbook, toxicology reports, and data from the truck’s “black box” event data recorder (EDR).
  • Claims Against the Trucking Company (Vicarious & Direct Liability): A lawsuit against the trucking company is often broader and more powerful. It can proceed on two fronts:
    1. Vicarious Liability: The company is automatically responsible for its employee-driver's negligence under the respondeat superior doctrine.
    2. Direct Negligence: The company itself was negligent. This is a separate claim based on the company's own failures, such as pressuring drivers to meet unrealistic deadlines, failing to maintain its fleet, or ignoring federal safety regulations (FMSCA).
  • Crucially, suing the company opens the door to much wider evidence in discovery, including company-wide hiring files, maintenance logs for the entire fleet, training policies, and dispatch records. It also provides access to the company's commercial insurance policy, and federal law requires a much larger policy (often $750,000 to over $1 million) than any personal policy a driver might have.

Can a trucking company be liable if the driver was an independent contractor?

Yes, absolutely. A trucking company can often be held liable for an accident even if the driver is classified as an independent contractor. While companies use this classification to limit liability, courts in Illinois and other states look past the label to the reality of the relationship.

You may hold a trucking company responsible through:

  • The Control Test: The court will examine how much control the company exercised over the driver. If the company dictates routes, schedules, and work methods, requires company logos on the truck, or otherwise treats the driver like an employee, a court may deem them an employee for liability purposes, regardless of their tax status.
  • Negligent Hiring and Retention: The claim of "negligent hiring," which is covered in the main article, applies even if the driver is a contractor. A company must select and retain competent and safe independent contractors.
  • Non-Delegable Duty: Federal and state laws impose a duty on motor carriers to ensure their trucks are operated safely for the protection of the public. This is a "non-delegable duty," meaning the company cannot escape its core safety responsibilities simply by outsourcing the driving to a contractor.
  • Placard or Logo Liability: If the truck displays the trucking company’s U.S. Department of Transportation (DOT) number or company logo, it creates a strong legal presumption that the truck is operating under the authority of that company, making the company liable for the driver's actions.

How does improper cargo loading cause a truck accident?

Improper cargo loading causes truck accidents by critically disrupting the vehicle's physics, making it unstable, difficult to control, and unable to stop safely.

The specific mechanisms include:

  • Dangerous Center of Gravity: Cargo that is stacked too high or shifts during transit raises the truck's center of gravity. This makes the truck top-heavy and dramatically increases the risk of a rollover accident, especially in sharp turns, on exit ramps, or during an evasive maneuver.
    Dynamic Load Shift: Unsecured or poorly braced cargo can slide violently during travel.
    A forward shift during braking can push against the tractor, increasing stopping distance or causing a jackknife.
    • A sideways shift can throw the trailer off balance, leading to a "lane departure" or rollover crash.
    • A backward shift can lift weight off the front steering axle, severely reducing the driver’s steering control.
  • Overloading: Exceeding the truck’s gross vehicle weight rating puts immense stress on critical components. This can lead directly to mechanical failures like brake overheating and failure on downgrades or catastrophic tire blowouts at highway speeds.
    Failed Securement: The failure of straps, chains, or braces can turn cargo into projectiles, creating a hazard for other vehicles on the road even if the truck itself does not crash.

How a Truck Accident Lawyer Helps You Learn About Potential Defendants

A truck accident lawyer is critical in identifying all potential defendants who may be liable for your injuries. While it might seem that only the truck driver is at fault, a skilled attorney will investigate the case thoroughly to uncover other responsible parties, such as the trucking company, cargo loaders, vehicle or parts manufacturers, or maintenance providers.

Your lawyer will gather and analyze key evidence like driver logs, employment records, black box data, maintenance history, and shipping documents. They may also consult accident reconstruction experts or industry specialists to determine how each party contributed to the crash.

By identifying all potentially liable defendants, your attorney increases your chances of obtaining full compensation, especially from companies with larger insurance policies or deeper pockets than the driver alone. Do not hesitate to contact a lawyer who can guide you through the process and fight for your rights.