Delivery truck blew a red and hit me from the side — trucking co. already admitted fault. Now what?

I went through something almost identical — commercial van, clear liability, the whole thing. What I can tell you is that commercial insurers move WAY slower than regular auto insurance. Mine took close to a year and a half to fully resolve. The upside is they usually have much higher policy limits, so there's actually money there to cover serious injuries. Just don't let them rush you into anything early. I made the mistake of thinking 'admitted fault = smooth sailing' and it really isn't that simple.

That quick admission of fault is a flag for me, honestly. Insurers don't do things out of the goodness of their hearts. They admitted liability fast because they're hoping you feel relieved and grateful, and then they swoop in with a lowball offer before you've finished treating. Do NOT accept anything until your doctors say you've reached maximum medical improvement. Not a dime.

I used to work on the commercial side of claims and I'll be real with you — when a trucking company's insurer admits fault early, they've already pulled the dash cam footage, the driver logs, everything. They know exactly what happened. That's not generosity, that's damage control. They're trying to keep you in their lane (pun intended) and away from an attorney. The moment you get a lawyer involved, their whole approach changes. Just something to think about.

A couple of practical things: First, commercial trucking claims involve federal regulations (FMCSA rules) on top of state law, which adds complexity but also gives you more angles if the driver violated any hours-of-service or inspection requirements. Second, make sure every single medical visit, PT session, and out-of-pocket expense is documented and saved. Receipts, appointment summaries, everything. The stronger your paper trail, the harder it is for them to argue your damages are smaller than they are.

Please don't skip or cut short your PT even if you start feeling a little better. Neck and shoulder injuries from side impacts can seem manageable and then flare up weeks or months later. If you settle before you really know the full picture of your recovery, you could be left covering costs out of pocket. Your health timeline should drive the legal timeline, not the other way around.

Not legal advice, but: commercial trucking claims are genuinely more complex than standard auto claims. There are often multiple potentially liable parties — the driver, the company, sometimes a leasing entity or cargo owner. An experienced PI attorney can help identify all of them. Most work on contingency so there's no upfront cost to you. Worth at least a free consultation before you talk settlement numbers with their adjuster.

Stop talking to their adjuster. Seriously. You don't owe them updates on how you're feeling or what your doctors are saying. Every conversation is them gathering info to minimize your claim. Get a PI lawyer who handles trucking cases specifically, let them do the talking, and focus on getting better.

When you say they admitted fault 'in writing' — what exactly did that look like? An email from an adjuster saying their insured was responsible? Or something more formal? I ask because there's a difference between an adjuster's acknowledgment and a legal admission, and I'd want to know exactly what you're working with before reading too much into it.