What If a Trucking Company Denies Liability?

When a trucking company denies liability after a serious collision, victims can feel overwhelmed, frustrated, and unsure where to turn. You may be dealing with medical bills, lost wages, and emotional trauma, while the very party responsible for your injuries refuses to accept responsibility. In moments like these, you need a guide who will fight for justice and help you pursue the compensation you deserve.

At Greenspan & Greenspan Injury Lawyers, our mission is simple: to deliver aggressive, compassionate representation that prioritizes your full recovery. If you are facing a trucking accident dispute, know that we are ready to stand with you and to stand up to the insurance companies trying to avoid doing what is right.

What Happens When the Trucking Company Denies Fault?

Truck accidents can be catastrophic. According to the National Highway Traffic Safety Administration (NHTSA), large truck crashes killed over 5,700 people in 2021 alone, and tens of thousands more were seriously injured. Trucking companies and their insurers often respond to accident claims by denying liability, even when the facts seem clear. They may argue that:

• Their driver was not at fault,
• Another vehicle caused the accident,
• You are exaggerating your injuries, or
• You missed a deadline or failed to submit certain documentation.

The purpose of these tactics is to minimize payouts and avoid costly litigation. If the truck company is denying liability, do not assume you are out of options. This is where legal representation can become critical.

What to Do If a Trucking Company Denies Liability

When a trucking company denies fault or its insurer refuses to cover your damages, do not assume the fight is over. Many valid claims are denied the first time, especially in complex truck accident cases. Here is what you should do after the denial of your claim.

1. Do Not Accept the Denial As Final

A denial is not a verdict; it is a common tactic insurers use to avoid paying out large claims. Too often, accident victims walk away from compensation they deserve because they assume a denial is the end of the road. In reality, this is usually the first step in a longer legal process. You have every right to challenge the insurance company’s decision.

2. Hire an Experienced Truck Accident Attorney

When a trucking company denies liability, you need an advocate who understands how to push back. An experienced truck accident lawyer will know how to investigate your case thoroughly, preserve key evidence, and file the appropriate legal documents. Your attorney will also deal directly with the insurance company, relieving you of the burden of back-and-forth communications. With a strong legal team, you can focus on healing while your lawyer focuses on securing the compensation you deserve.

3. Request the Truck’s Black Box Data

Most commercial trucks have electronic logging devices (ELDs) or black boxes that record critical data such as speed, braking, steering, and GPS coordinates. This information can be vital in proving driver negligence. However, the law requires the trucking company to keep this data for only six months, so it is important to act quickly. Your attorney can request access through formal legal channels to obtain these black box records.

4. File an Appeal with the Insurance Company

If your claim has been formally denied, you may be able to file an internal appeal with the trucking company’s insurer. These appeals allow you to submit additional documentation or clarify inconsistencies that the insurer cited in their denial. Although this process is often unsuccessful without new evidence, it may be a necessary step before filing a lawsuit. A lawyer can guide you through the appeal process and help you meet deadlines and documentation requirements.

5. Secure Additional Evidence to Strengthen Your Case

Even after a denial, collecting new evidence supporting your claim is still possible. Your attorney may gather maintenance records, driver employment histories, witness statements, dashcam footage, and accident reconstruction reports. The goal is to build a compelling case that proves negligence or wrongdoing by the trucking company to strengthen your claim further.

6. Consider Filing a Lawsuit

When all else fails, filing a personal injury lawsuit may be the only way to recover your losses. A lawsuit can compel the trucking company to provide documents, records, and testimony it might otherwise withhold. Your attorney will advise you on your case’s risks, costs, and potential value and help you decide if litigation is right for your situation.

7. Keep Thorough Documentation

From the moment your claim is denied, keep copies of every piece of communication between you and the insurance company. This includes denial letters, emails, phone logs, and written statements. Clear documentation could help prove the insurer acted in bad faith or show inconsistencies in their reasoning. Your records could be essential to your success if the case goes to court.

Why New Yorkers Trust Greenspan & Greenspan Injury Lawyers

Truck accident victims routinely ask us, What if a trucking company’s insurance denies my claim? When that happens, it’s time for us to step in. With over 30 years of trial-tested experience, we know how to investigate truck accidents, build strong cases, and hold negligent parties accountable, even when they refuse to admit fault.

Our team handles every part of your claim, including:

• Investigating the accident and preserving critical evidence,
• Interviewing witnesses and gathering expert testimony,
• Negotiating with insurance companies,
• Filing a lawsuit if the company refuses to settle fairly, and
• Representing you aggressively in court if needed.

We work on a contingency fee basis, meaning we do not get paid unless you do.

Let Us Help You Fight Back

You do not have to accept the insurance company’s denial. If you are facing a trucking accident dispute, contact Greenspan & Greenspan Injury Lawyers today. We have the skill to take on powerful trucking companies and their insurers. With our decades of experience and commitment to client care, you can feel confident knowing you have a team that puts your recovery first. Contact us today for a free consultation.