Accidents Involving Company Vehicles: Who’s Liable?
Accidents are stressful under any circumstances, but when a company car, van, or truck is involved, everything becomes a little more complicated. Whether you were hit by a commercial vehicle or injured while driving one for your job, the question becomes clear fast:
Who’s responsible, and who pays?
At Pezon Law, we believe the answer should never be left to guesswork. These types of cases often involve layers of liability, insurance policies, and employer responsibilities. Our role is to guide you through all of it—so you can make informed decisions about your case and your recovery.
When the Company Vehicle Belongs to the Other Driver
If you were injured in an accident caused by someone driving a company vehicle—like a delivery van, construction truck, or commercial car—liability may extend beyond just the driver.
Florida law recognizes a concept called vicarious liability, which means employers can be held responsible for their employees’ actions, if:
The employee was on the job at the time of the accident
The vehicle was being used for work-related purposes
The employee was acting within the scope of their employment
This is important because it gives injured victims access to additional insurance coverage—such as the employer’s commercial auto policy or general liability policy, which often provide more compensation than personal insurance.
Exceptions may apply if the driver was:
Using the vehicle for personal errands (“frolic and detour”)
Driving under the influence
Operating outside authorized work duties
We help our clients determine who the legal responsibility truly falls on—and how to pursue the full value of their claim.
What If You Were Driving the Company Vehicle?
If you were injured while driving a company vehicle as an employee, your situation may involve a workers’ compensation claim, a third-party claim, or both.
You may be eligible to recover through:
Workers’ compensation for medical bills and lost wages, regardless of who was at fault
A personal injury claim against a third party (like the driver who hit you)
Employer-provided insurance (auto or liability coverage)
If someone else caused the crash while you were working, you may be able to recover more than just workers' comp—but only if your claim is handled properly. That’s where our guidance comes in.
What About Independent Contractors and Gig Workers?
Uber drivers, food delivery workers, and other gig economy contractors often operate in a gray area between personal and commercial use. If you’re hit by a gig driver, or injured while working as one, insurance policies may apply differently depending on:
Whether the app was on
Whether a passenger or delivery was in progress
Whether the driver’s personal policy excludes business use
We help clients cut through the policy fine print and pursue all available compensation—no matter how complex the coverage is.
What to Do After an Accident Involving a Company Vehicle
Whether you were in your own car, a company vehicle, or walking nearby, take these steps:
Call 911 and report the crash
Document everything—photos, vehicle markings, badges, uniforms, business cards
Get medical treatment right away, even for minor pain
Ask for the company name, employer contact, and insurance info
Avoid recorded statements until you speak with an attorney
Contact Pezon Law to explore all legal options
It’s About More Than One Policy—It’s About the Full Picture
At Pezon Law, we don’t just look at the police report and call it a day. We investigate:
Whether the company has multiple insurance policies
Whether their employee training or maintenance practices played a role
Whether your own employer or a third party might also be liable
You’re not just another claim to us. You’re the decision-maker in your case, and we’re here to be your trusted legal counsel.
Injured in a Company Vehicle Accident? Let’s Break It Down Together.
If you’ve been hurt in a crash involving a commercial or company vehicle in South Florida, don’t navigate the layers of insurance and liability alone. Let Pezon Law help you understand your rights, clarify your options, and move forward with the support and strategy you deserve.
📞 Contact us today for a free consultation—and get the guidance you need to take the next step with confidence.
