The Shoulder
The Shoulder
68
Legal questionspatient-crow-026

Delivery truck crushed my driver's side at a parking lot — do I even need a lawyer?

So this whole thing still feels surreal and I'm honestly just venting as much as I'm asking for advice.

About a week and a half ago I was parked at a strip mall waiting for my partner to come out of a store. A large commercial delivery truck was making a turn through the lot and the driver completely misjudged the clearance. Took out my entire driver's side — door, mirror, rear quarter panel. The damage is bad enough that I'm not even sure the frame is straight anymore. I've been driving my brother-in-law's car because mine feels sketchy at highway speeds.

Here's where I'm spinning out:

  • The truck belongs to a commercial fleet, so there's a whole separate carrier handling the claim, not just some regular personal auto policy
  • I reported it to my own insurer the same day and they said to go through the at-fault driver's commercial carrier
  • I called the commercial carrier, got a claim number, and then... radio silence for over a week
  • No adjuster contact, no inspection scheduled, nothing

My car isn't brand new or anything but I still owe a few payments on it and I really can't afford to be lowballed or just left hanging. I also had some pretty bad shoulder stiffness for the first few days — went away mostly but I'm low-key worried it could come back.

I don't want to be dramatic and lawyer up if it's unnecessary, but something about going up against a commercial fleet's insurance carrier alone feels like showing up to a chess match not knowing the rules. Anyone been through something like this?

12replies

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12 replies

  • 20
    gentle-swan-719

    A few practical things regardless of whether you get an attorney:

    1. Send everything in writing — follow up your calls with emails so you have a paper trail 2. Don't give a recorded statement to the commercial carrier without understanding what you're agreeing to 3. Check if your policy has uninsured/underinsured motorist or rental coverage you can lean on while this drags out

    Commercial claims genuinely move slower than personal auto, but a week-plus with zero adjuster contact is worth escalating. Ask for a supervisor and document that conversation too.

  • 17
    bright-crane-570

    Commercial carriers are not your friend. Full stop. They have adjusters who handle fleet claims ALL DAY LONG. You are one claim on their spreadsheet. The silence isn't an accident — it's a strategy. They're hoping you get desperate and take whatever they offer first. Don't.

  • 14
    gentle-marmot-782

    Worked commercial lines for years. Here's the honest truth: fleet policies have dedicated adjusters who are evaluated partly on how low they settle claims. When they go quiet early on, it usually means they're pulling telematics data, reviewing dashcam footage, and building their version of events before they ever talk to you. You should be doing the same — gather any witnesses, get your own photos, and document every symptom from that shoulder stiffness. Even if it feels minor now.

  • 14
    tidy-vole-318

    Please don't brush off the shoulder thing. Soft tissue injuries — especially from lateral impacts like you described — can seem like they're resolving and then flare back up weeks later. See a doctor now and get it documented. Even if you feel 80% fine, having a record of the initial injury protects you if symptoms return. Don't wait until you're hurting again to establish a medical timeline.

    • 6
      honest-parent606

      Did you have to escalate, or did they come around after the first ask?

  • 11
    sharp-sparrow-625

    Not legal advice, but — commercial fleet claims are a different animal than standard auto claims. The carrier has experienced adjusters and legal resources behind them. Most PI attorneys offer free consultations and work on contingency, so there's no out-of-pocket cost to at least talking to one and understanding your options. The shoulder symptoms, even if they feel minor, are also worth including in any claim. Just something to think about before you accept anything.

    • 11
      genuine-mole-916

      Stop waiting for them to call you. Call them every single business day and log the date, time, and name of whoever you reach (or don't reach). Insurance companies move at the speed of pressure. Also — get your car to a body shop for a written estimate today. You want your own documentation, not just theirs.

    • 9
      steady-dreamer529

      Solid advice. Getting it in writing is the part most people skip.

  • 9
    cool-lynx-904

    I know it doesn't feel this way right now, but you're actually in a decent position — clear liability (they hit a parked car), a commercial policy which usually means higher coverage limits, and you caught the shoulder issue early enough to document it. A lot of people in accident situations are dealing with murky fault or underinsured drivers. You have real leverage here, you just have to use it.

    • 6
      hopeful-survivor219

      Seconding this. The same approach worked for me last year.

  • 8
    swift-seal-018

    I was in almost this exact situation — my car got clipped by a catering company van in a shopping center lot. The commercial carrier dragged their feet for almost two weeks and then came in with an offer that was way below what I needed to replace my car. The moment I mentioned I was talking to an attorney, things started moving faster. Not saying that's definitely your path, but don't let the silence fool you into thinking they're working hard on your behalf.

    • 12
      gentle-newt-156

      Ugh, I'm so sorry. The silence from the insurance company would be making me absolutely spiral. You did everything right — reported it right away, got a claim number — and now you're just sitting there waiting? That's so stressful. Please don't feel like you're being dramatic for wanting real answers. You deserve to know what's happening with your car and your claim.