If you’ve been involved in a crash with a commercial vehicle in Katy, Texas, you may already know that something feels different. The damage is greater, the response is colder, and the insurance companies seem to be playing by their own rules. That’s because they are. 

When an accident involves a semi-truck, delivery van, or company-owned vehicle, you're not just dealing with another driver; you're up against a corporation, its insurer, and a team of legal professionals trained to protect profits over people. 

But what they don’t know is that you have Anderson Alexander by your side, and we’re not intimidated. With experience, strategy, and relentless advocacy, we level the playing field and fight to make sure your voice is heard. 

Here’s what you need to know about how commercial vehicle accident settlements work in Katy, and what insurance companies won’t tell you. 

Car Accidents vs. Commercial Truck Accidents: What Makes Them So Different? 

First, you need to understand the differences between car accidents and commercial truck accidents. Most people naturally assume a truck accident is just a bigger version of a car accident, but legally, medically, and financially, they’re in a category of their own. 

Key Differences: 

• Scale of Impact: Commercial vehicles like 18-wheelers and box trucks weigh up to 20-30 times more than passenger vehicles. That means more force, more damage, and often more severe or fatal injuries. 
• Complex Liability: In a car crash, the at-fault driver is usually one person. In a commercial vehicle accident, there may be multiple liable parties, including the driver’s employer, maintenance contractors, cargo handlers, or the truck’s manufacturer. 
• Regulations: Commercial vehicles are subject to both state and federal safety regulations. Proving fault often involves reviewing driver logs, maintenance records, black box data, and more. 

If you're not aware of these critical differences, you risk accepting far less than you deserve. 

Increased Injuries Mean Higher Stakes (and Higher Resistance from Insurance Adjusters) 

Because truck accidents tend to cause more serious injuries like spinal damage, traumatic brain injuries, amputations, or long-term disability, the compensation involved is often substantial. That also means insurers have a lot more incentive to fight your claim. 

You may be facing: 

• Long-term or permanent disability 
• Ongoing medical care or rehabilitation 
• Loss of future income 
•  Emotional trauma or PTSD 

These are high-value claims, and the unfortunate truth is that insurance companies will do everything they can to reduce, delay, or deny what they owe you. 

Types of Insurance Involved in Commercial Vehicle Accidents 

In Texas, commercial vehicle operators are required to carry significantly more insurance than individual drivers. For example: 

• Standard commercial trucks may carry liability policies of $750,000 to $1 million or more 
• Hazardous material carriers may carry policies of $5 million or higher 
• Fleet vehicles or delivery vans may be covered by corporate liability plans and umbrella policies 

But just because that coverage exists doesn’t mean it’s easy to access. The more money on the table, the more complex the insurer will fight. 

Several Possible At-Fault Parties and Why It Matters 

Commercial vehicle accidents often involve a web of liability. This is one reason insurers push for quick settlements: to close the case before all responsible parties are identified. Potentially liable parties could include: 

• The truck driver (if they were fatigued, distracted, impaired, or reckless) 
• The trucking company (for poor hiring, training, or overworking drivers) 
• The vehicle maintenance provider (for faulty repairs or inspections) 
• The cargo company (for improperly loaded or unbalanced freight) 
• The manufacturer (if a defective part caused the crash) 

At A2X, we know how to investigate beyond the surface, uncover all parties involved, and pursue the full value of your claim. 

Common Insurance Company Tactics to Watch Out For 

Don’t assume the insurance adjuster is there to help you. Remember, their job is to protect the company, not your recovery. Here are some of the most common strategies they use: 

• Lowballing early offers before the full extent of your injuries is known 
• Asking leading questions to get you to admit partial fault 
• Requesting recorded statements that can be used against you later 
• Delaying responses to pressure you into settling for less 
• Blaming you or downplaying your injuries to reduce liability 

These tactics are designed to save the company money, often at the expense of your long-term well-being. 

What NOT to Say Without a Lawyer Present 

One of the most damaging things you can do after a commercial vehicle crash is to speak with the trucking company’s insurance adjuster without legal guidance. Why, because anything you say can and will be used against you. These adjusters are trained to twist your words, minimize your injuries, and protect the company’s bottom line, not your well-being. 

At Anderson Alexander (A2X), we strongly recommend avoiding the following until you’ve consulted with our legal team: 

• Making statements similar to “I’m fine” or “I don’t think I’m hurt”, even casually. These kinds of offhand remarks can be used to argue that your injuries aren’t serious or were not caused by the crash, even if symptoms appear later (which they often do). A2X ensures your medical condition is properly documented and your injuries are taken seriously. 
• Admitting any fault, like “I might have been going a little fast too…”. Even a small admission of fault can be used to shift blame and reduce your compensation under Texas’s comparative negligence laws. We help you communicate in a way that protects your rights and keeps the focus where it belongs: on the responsible party. 
• Speculating about what happened. Guessing or offering opinions (e.g., “Maybe the truck didn’t see me”) can create confusion and be used against you. A2X helps you stick to verified facts and keeps the insurance company from twisting your words. 
• Providing a recorded statement or signing documents without legal review. These tactics are often used to lock you into a version of events or waive rights without fully understanding the consequences. We review every document, handle all communication with insurers, and ensure nothing compromises your claim. 

Why You Need A2X on Your Side 

At A2X, we’re not intimidated by big insurance companies or complex cases. We know how commercial vehicle accident claims work in Katy and across Texas, and more importantly, we know how to hold every responsible party accountable. 

We don’t just fight for a settlement, we fight for the compensation you need to recover. That means: 

• Conducting a full investigation 
• Preserving critical evidence 
• Coordinating expert medical evaluations 
• Calculating long-term financial needs 
• Handling aggressive insurance tactics 
• Standing firm in negotiations or taking your case to court if needed 

Don’t Settle for Less Than You Deserve: Schedule a Consultation Today 

Commercial vehicle accidents are complex, high-stakes cases, and the truth is, insurance companies are hoping you never call a lawyer. At A2X, we see through the tactics, the paperwork, and the pressure, and we’re here to protect you. 

If you’ve been injured in a truck or commercial vehicle accident in Katy, schedule a consultation with our team today. We’ll help you understand your rights, your options, and what it will take to recover the full compensation you deserve.