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?