Determining Who Is Liable for a Truck Accident in Texas

December 24, 2025 | By AP Law Group
Determining Who Is Liable for a Truck Accident in Texas

Commercial truck collisions differ significantly from standard car crashes. The sheer size of an 18-wheeler often results in catastrophic damage. Victims suffer severe injuries and face mounting medical bills. When a crash occurs on Houston highways like I-10 or the 610 Loop, identifying responsibility requires a thorough investigation by an experienced Houston, TX, truck accident lawyer.

Unlike a typical two-car accident, where one driver is usually held responsible, truck accidents often involve multiple liable parties. Several individuals and entities might share responsibility for the negligence that led to the crash. Identifying every liable party maximizes the potential resources available for compensation.

Victims facing this chaotic situation need clarity. The legal process for commercial vehicle accidents involves complex federal regulations and state laws. Establishing liability demands evidence that proves negligence occurred. 

Key takeaways on Texas truck wrecks:

  • Liability extends beyond the driver: Trucking companies, cargo loaders, and maintenance providers frequently share legal responsibility for a collision.
  • Federal regulations establish standards: Violations of Federal Motor Carrier Safety Administration (FMCSA) rules often serve as strong evidence of negligence.
  • Texas follows modified comparative fault: You may still recover damages if you bear partial blame, provided your responsibility does not exceed 50%.
  • Evidence preservation requires speed: Vital data like electronic logs and black box information might disappear if you do not secure it immediately.
  • Commercial policies differ: Trucking insurance involves higher policy limits but also more aggressive defense tactics from adjusters.

Truck Driver Liability Factors

The truck driver is typically the primary focus of an accident investigation. Their actions behind the wheel directly affect the safety of everyone on the road. When a driver operates a vehicle recklessly or negligently, they bear liability for the resulting damages.

Truck Driver


Driver negligence takes many forms on Texas roads. Fatigue remains a pervasive issue. Drivers face immense pressure to meet tight delivery deadlines. Substance use, distracted driving, and speeding also contribute heavily to collision rates. A driver who ignores traffic laws or safety protocols endangers lives.

Certain behaviors specifically point to driver negligence in commercial trucking scenarios. Identifying these actions helps establish the foundation of a liability claim against the operator.

  • Violating Hours of Service (HOS) regulations: Drivers must adhere to strict federal limits on driving time to prevent fatigue-induced errors.
  • Driving under the influence: This includes alcohol, illegal narcotics, and even prescription medications that impair reaction times or judgment.
  • Distracted driving behaviors: Texting, using dispatch devices while moving, or eating behind the wheel diverts attention from the road.
  • Aggressive driving maneuvers: Tailgating, improper lane changes, and failing to yield right-of-way characterize reckless operation.
  • Failure to inspect the vehicle: Drivers must perform pre-trip inspections to identify safety issues before hitting the highway.

These specific actions demonstrate a breach of the duty of care owed to other motorists. Evidence of these behaviors strengthens the argument that the driver bears responsibility for the injuries sustained.

Trucking Company Liability and Federal Oversight

Trucking carriers often hold liability for the actions of their employees. Under the legal doctrine of respondeat superior, an employer may face responsibility for the negligent acts of an employee performed within the scope of employment. If a driver causes a crash while on the job, the company likely shares the blame.

Employer responsibility

Liability for the carrier extends beyond just the driver's actions. Trucking companies operate under strict regulations. They must hire qualified drivers, maintain vehicles properly, and enforce safety protocols. Failure to uphold these standards constitutes negligence. Companies sometimes cut corners to maximize profits. This puts everyone at risk.

Negligent hiring practices

Carriers must vet their drivers thoroughly. This includes checking driving records, conducting background checks, and ensuring medical fitness. Putting an unqualified or dangerous driver on the road creates a foreseeable risk of harm. If a company hires a driver with a history of reckless driving, they face liability for negligent hiring.

Maintenance protocol failures

Commercial trucks require regular maintenance to operate safely. Brake systems, tires, lights, and steering components demand constant attention. Federal law mandates systematic inspection, repair, and maintenance programs. When a mechanical failure causes a crash, the trucking company’s maintenance records become vital evidence.

According to the Federal Motor Carrier Safety Administration (FMCSA), brake problems and other vehicle defects consistently rank among the top contributing factors in large truck crashes. Connecting the mechanical failure to the company's lack of oversight establishes a direct line of liability.

Third-Party Liability in Supply Chains

The logistics industry involves a complex web of services. Often, parties other than the driver or the trucking company contribute to an accident. Third-party liability claims address negligence by entities outside the direct employment relationship.

Consider the massive volume of freight moving through the Port of Houston. 

Cargo loaders pack containers and trailers before the truck driver ever arrives. If these loaders secure cargo improperly, it creates a dangerous situation. Shifting cargo causes weight imbalances that lead to rollovers or jackknife accidents.

Identifying third-party negligence requires examining the entire chain of events leading to the crash. Specific failures by external vendors often create hazardous conditions on the road.

  • Improper cargo loading: Overloading trailers or failing to secure goods prevents the driver from controlling the vehicle safely.
  • Defective vehicle parts: Manufacturers of tires, brakes, or engine components face liability if a product defect causes a malfunction.
  • Negligent maintenance by outside shops: Independent mechanics who perform substandard work on the rig bear responsibility for subsequent failures.
  • Government entities: Municipalities responsible for road design or maintenance might share blame if hazardous road conditions contributed to the wreck.
  • Brokers and shippers: Entities that knowingly select unsafe carriers with poor safety records may face liability for negligent selection.

Investigating these third parties opens additional avenues for compensation. Each of these entities carries separate insurance policies. Accessing these policies may prove essential for covering the extensive damages typical in truck accident cases.

Texas Comparative Fault Standards

Texas law uses a system known as "modified comparative fault" to determine compensation eligibility. This legal standard impacts how juries award damages when multiple parties share blame for a collision. The specific percentage assigned to each party dictates the financial outcome.

The 51% Bar Rule

Under this system, a victim recovers compensation only if their percentage of fault stays at 50% or below. If a jury finds the victim 51% or more responsible for the accident, the law bars them from recovery entirely. This strict cutoff makes the initial assignment of fault a vital battleground.

Financial recovery effects

For victims found to be less than 51% at fault, the court reduces their compensation by their specific percentage of responsibility. For example, if a victim sustained $100,000 in damages but bears 20% of the fault, the final award drops to $80,000. Every percentage point matters during settlement negotiations.

Defense team tactics

Insurance adjusters aggressively try to shift blame onto the victim to trigger this 51% threshold. They often argued that the victim was speeding, changed lanes abruptly, or failed to use their turn signal. Countering these tactics requires solid evidence that places most of the liability squarely on the truck driver and trucking company.

Necessary Evidence for Claims

Establishing liability in a truck accident demands a high burden of proof. The sheer volume of evidence available-and the speed at which it can disappear-necessitates immediate action. Trucking companies dispatch rapid response teams to the scene to protect their interests.

Determining-Who-Is-Liable-for-a-Truck-Accident-in-Texas


Victims need to secure specific types of evidence that reveal the truth behind the crash. This evidence often resides in the exclusive control of the trucking company. Spoliation letters must go out immediately to prevent the destruction of these records. 

Accessing technical data provides the most objective picture of what happened.

  • Electronic Control Module (ECM) data: Often called the "black box," this records speed, braking, and engine RPMs immediately before impact.
  • Electronic Logging Devices (ELDs): These digital logs track the driver's hours of service and reveal potential fatigue violations.
  • Maintenance and inspection records: These documents show the vehicle's repair history and any ignored mechanical issues.
  • Driver qualification files: These files contain the driver's employment history, training certifications, and past violations.
  • Dashcam and surveillance footage: Video evidence from the truck or nearby businesses offers visual proof of the collision sequence.

Securing these items prevents the trucking company from hiding negligence. Without this concrete data, the case becomes a matter of conflicting stories. Physical data rarely lies.

Commercial Insurance Challenges

Dealing with commercial insurance providers presents a significant hurdle. Policies for 18-wheelers carry high limits, often exceeding $1 million. With high stakes comes high resistance. Insurance carriers for trucking companies employ specialized adjusters and defense attorneys trained to minimize payouts.

High policy limits and resistance

Because the potential payouts are large, insurers fight these claims intensely. They have significant resources to deploy against claimants. Their primary goal is protecting their bottom line, not helping victims recover. They scrutinize every detail of the accident and your medical history.

Aggressive settlement tactics

These adjusters often contact victims immediately after the crash. They may offer a quick settlement. They hope the victim accepts a low amount before knowing the full extent of their injuries. Accepting an early offer typically bars the victim from seeking further compensation later.

Intentional delays

Defense teams also utilize delay tactics. They might drag out the investigation, request unnecessary medical records, or dispute the necessity of medical treatments. Their goal involves wearing down the claimant financially and emotionally. Fighting for fair compensation requires knowing these tactics and preparing a robust case.

AI tools can provide general information, but they don’t understand the specifics of your case or Texas law. Relying on them for legal advice may lead to costly errors. Always consult a qualified attorney, like the ones from AP Law Group for guidance.

FAQ

How long do I have to file a lawsuit after a truck accident in Texas?

The statute of limitations for personal injury cases in Texas generally stands at two years from the date of the accident. Failing to file a lawsuit within this timeframe typically results in the court dismissing the case. This leaves you with no legal recourse. Exceptions exist, but waiting risks the loss of vital evidence.

Can I sue the city if a road defect caused the truck to hit me?

Government entities may face liability if a known road hazard, such as a massive pothole or poor design, contributed to the crash. However, the Texas Tort Claims Act imposes strict notice requirements. Proving the government knew of the defect and failed to fix it requires specific evidence.

What happens if the truck driver was an independent contractor?

Trucking companies often classify drivers as independent contractors to avoid liability. However, federal regulations minimize this defense. If the driver operated under the company's placard and authority, the company usually remains liable. The lease arrangement between the driver and the carrier determines the specific layers of insurance coverage applicable.

Why does the trucking company want to inspect my vehicle?

The trucking company’s defense team inspects your vehicle to find evidence of your own negligence or pre-existing damage. They look for worn tires or mechanical issues on your car to argue that you caused the crash. Having your own representation ensures a fair inspection process where your interests remain protected.

Does the "black box" record audio inside the truck cab?

Most standard Electronic Control Modules (ECMs) record mechanical data, not audio. However, many modern commercial fleets equip trucks with driver-facing cameras and audio recording devices. Securing this footage requires immediate legal intervention before the system overwrites or deletes the data.

The situation following a truck accident leaves families facing physical pain and financial uncertainty. 

You do not have to face the trucking companies and their insurers alone. AP Law Group—supported by an experienced Houston personal injury attorney—knows the tactics used by commercial carriers to deny valid claims. Our team provides personalized attention. We treat your case with the dedication it deserves.

If you or a loved one suffered injuries in a truck accident, contact AP Law Group today at (713) 913-4627 to fight for the fair compensation you need to rebuild your life.