The main question asked if the accident involved a commercial or company driver, is whether responsibility lies with the driver or the company. In other words, in this case, what matters the most is determining liability, which could be very complex if there is involvement of multiple parties.

To determine liability, we must determine whether the incident that led to personal and property damage occured while one or more parties were within the course and scope of their employment with a company that is insured by these types of losses. This is a key determination that could potentially lead to a larger recovery for the claimants and plaintiffs, and cause new defendants to be subject to defending the lawsuit.