Delivery truck reversed into me at a light, trucking company's insurance ghosting me — what do I do?

Oh man, this is almost exactly what happened to me with a landscaping company's truck. Clear footage, obvious fault, and their insurance still stonewalled me for weeks. What finally moved things was sending a formal written demand letter via certified mail directly to the insurance company AND the trucking company. The moment there was a paper trail they couldn't ignore, I got a call back within two days. Don't just call — put everything in writing.

I used to work claims for a commercial auto carrier, so let me be real with you. Commercial insurance adjusters handle way higher volumes than personal auto adjusters and their default move is to let files sit until someone pushes hard enough. You have a video — that's actually rare and valuable. But they know that too, and some carriers will stall hoping you'll accept a lowball just to make it go away. Don't. Keep every single communication logged with dates and times. If you have to escalate, your state's Department of Insurance has a complaint process that carriers take seriously because it goes on their record.

Please do not trust that adjuster even a little bit. The moment they do call back they're going to try to get a recorded statement from you. You are NOT required to give one to the other party's insurance. They're fishing for anything they can use to reduce what they owe you. You have video proof — you're in a strong position. Don't let them use friendliness to get you to say something that muddies the waters.

Not legal advice, but I'd say this: commercial trucking claims are genuinely different from regular car-to-car accidents. Trucking companies often have legal teams involved early specifically because liability claims against commercial vehicles can get expensive. The stalling you're experiencing isn't unusual — it can be strategic. Given that you have footage and a police report, a PI attorney would likely want to hear your case, and many do free consultations. Even if your damages feel 'small,' an attorney sending a representation letter sometimes magically speeds up adjuster response times.

A couple of practical steps that don't require hiring anyone yet: First, file a complaint with your state's Department of Insurance for failure to respond within a reasonable timeframe — most states have rules requiring acknowledgment and action within a set number of days. Second, loop in your own insurance carrier even though it's not your fault. They can sometimes go after the other carrier directly through a process called subrogation, and it takes the pressure off you to chase them yourself. You might owe your deductible up front but could get it back.

You're not being naive exactly, but you are being too patient. Four calls and an email with no resolution is enough. Stop calling. Send a certified letter to the insurance company stating that if you don't receive written confirmation of a claim decision within 14 days, you'll be filing a complaint with the state insurance commissioner and consulting an attorney. Then actually do both those things if they don't respond. Polite persistence isn't working — escalate.

Just want to gently flag — you said you weren't injured, and maybe you're right, but sometimes after an impact like that (being pushed by a large vehicle) people notice neck stiffness or headaches a few days later and chalk it up to stress. If you've had any of that, even mild, please see a doctor and document it. Not trying to alarm you, just something worth being aware of. Bodies are weird after accidents.

This sounds so frustrating, I'm sorry you're dealing with it. You did everything right — police report, footage, tracked down the company. The fact that they're ignoring someone with VIDEO is honestly wild. Please don't let them wear you down. You deserve to have your car fixed.