Hit By a Semi-Truck While Working in PA? You May Have Two Claims

If you were hit by a semi-truck, 18-wheeler, or commercial vehicle while working in Pennsylvania, you're likely dealing with serious injuries. But here's what most people don't realize: truck accident cases are fundamentally different from regular car accidents - and that difference could mean significantly more compensation for you.

Why Truck Cases Are Bigger

Commercial trucks carry much larger insurance policies than passenger vehicles:

Semi-trucks/18-wheelers: Typically $1 million or more in coverage
Commercial delivery vehicles: $500,000 to $1 million
Regular passenger cars: Often just $15,000 to $100,000

This means when a truck driver is at fault, there's actually money available to compensate you for your injuries, lost wages, and pain and suffering.

Multiple Parties May Be Liable

Unlike a typical car accident where you're dealing with one driver and one insurance company, truck accidents often involve multiple responsible parties:

The truck driver - for negligent driving
The trucking company - for negligent hiring, training, or pushing drivers to violate safety rules
The cargo shipper - for improper loading that caused the accident
The maintenance company - for failing to properly maintain brakes, tires, etc.
The truck manufacturer - for defective parts
The freight broker - in some circumstances

Each additional liable party means additional insurance coverage - and more potential recovery for you.

The Two Claims You May Have

If you were working when the truck hit you (driving for your job, working roadside, in a work zone, etc.), you likely have:

A workers' compensation claim - through your employer, regardless of fault
A third-party personal injury claim - against the truck driver, trucking company, and other liable parties

These are two completely separate claims with separate recoveries.

Who Gets Hit By Trucks While Working?

We see these cases frequently among:

Construction workers - hit in work zones along highways
Utility workers - struck while working roadside on power lines, gas lines, etc.
Delivery drivers - hit while making deliveries or at loading docks
Tow truck operators - struck while assisting disabled vehicles
Emergency responders - hit at accident scenes
Highway maintenance workers - PennDOT and contractor employees
Anyone driving for work - sales reps, healthcare workers, etc.

A Note from Attorney Cardamone

"Truck cases require a different approach than regular car accidents. The trucking company's insurance adjusters will be on the scene immediately, gathering evidence and building their defense. You need someone working just as fast on your side. And remember - fault isn't relevant for your workers' comp claim. Even if you think you contributed to the accident, you still have a workers' comp case. For the third-party claim, we need to show the trucker's negligence - and in my experience, there's almost always negligence when a commercial truck hits a worker."

What Makes Truck Accident Evidence Different

Commercial trucks are required to have:

Electronic Logging Devices (ELDs) - showing hours of service and potential fatigue violations
Black box data - recording speed, braking, and other data before the crash
Maintenance logs - showing whether the truck was properly maintained
Driver qualification files - training records, drug test results, driving history
Cargo manifests - showing what was loaded and how

This evidence can disappear quickly. Trucking companies are required to preserve it, but the sooner an attorney gets involved, the better chance of obtaining complete records.

The Two Specialists Approach

Truck accidents involving workers require expertise in two different areas of law:

Pennsylvania Workers' Compensation - a no-fault system with specific rules, deadlines, and procedures
Commercial Vehicle Personal Injury - federal trucking regulations, insurance coverage, and negligence claims

At Keystone Crash Lawyers, we handle the workers' comp claim directly. For the third-party truck accident claim, we work with carefully selected Personal Injury colleagues who specialize in commercial vehicle accidents - attorneys with proven track records against major trucking companies and their insurers.

You get two specialists, not one attorney trying to do everything.

Hit By a Truck While Working?

Free consultation. We'll review your case and explain your options - both the workers' comp claim and the potential third-party case.

(215) 206-9068

Don't Wait - Evidence Disappears

Truck accident cases are time-sensitive. ELD data can be overwritten, witnesses' memories fade, and trucking companies are already building their defense from day one.

If you or a loved one was hit by a truck while working anywhere in Pennsylvania, call us for a free case review. There's no fee unless we win.