Truck accidents aren’t just traumatic—they’re followed by a wave of confusion, paperwork, and often, silence. If your personal injury claim is being delayed or denied, you’re not alone. In Texas, truck insurance companies routinely use tactics designed to limit what they pay—and pressure victims to accept less than they deserve.
At Angel Reyes & Associates, we’ve seen these tactics firsthand. Here’s what’s really happening behind the scenes, and how we help our clients fight back.
Key Takeaways
- Trucking insurers delay, deny claims to minimize payouts, and tactics include blame-shifting, red tape, and low settlement offers.
- Corporate structures often obscure who’s liable for the truck accident.
- Legal teams can intervene quickly to uncover hidden liability and speed up resolution.
Why Truck Accident Claims Are So Complicated
Truck accident cases are rarely straightforward. Carriers often operate under a maze of insurance policies and business entities, and those layers can be used to delay the claims process.
Texas cases also involve high insurance limits, which means insurers fight harder to reduce payouts.
On top of that, federal safety laws, black box data, and maintenance logs must be examined to determine liability.
The more severe your injuries or damages, the more resistance you’re likely to face. Truck insurance companies are counting on the process wearing you down.
Lawsuit Delay Tactics: Slowing You Down on Purpose
When a personal injury claim lingers without progress, it’s often not by accident. We’ve seen adjusters drag out investigations, ask for the same documents multiple times, or switch representatives to reset communication.
These stalling moves can stretch a claim for months. In the meantime, victims are left with mounting bills and growing frustration. It’s a pressure tactic—meant to make you settle out of desperation.
If your personal injury claim feels stalled, reach out. We’ll review your case and give you a clear path forward.
Blame-Shifting: Making You the Problem
Commercial truck Insurers often try to shift partial or full blame onto the victim. In Texas, this tactic can eliminate your right to recover if you’re found more than 50% at fault.
A recorded statement could be twisted against you. If there’s a delay in seeking medical care, they may argue your injuries aren’t serious. If you have a pre-existing condition, they might claim it’s the true cause of your pain.
This isn’t about truth—it’s about strategy. That’s why documenting your injuries, treatments, and interactions from day one is critical.
Lowball Settlement Offers
Sometimes, insurers try to rush you into accepting a quick settlement. While a quick settlement may sound generous at first, these offers often fall far short of covering future medical costs or lost income.
An insurance company adjuster may tell you, “This is the best we can do,” or set a deadline to accept. Adjusters know you’re under pressure, especially if you’re missing work.
You have the right to slow down, get advice, and understand what your case is truly worth.
Who’s Liable for the Truck Accident? The Answer Isn’t Always Obvious
Truck accident liability is often clouded by contracts and corporate maneuvering. The truck driver might be an independent contractor. The truck could be owned by one company and leased to another. A third entity may manage cargo logistics or maintenance.
All of this creates confusion—and that confusion benefits the insurer.
Truck accident lawyers like Angel Reyes & Associates know how to trace responsibility across ownership layers. We hold the right parties accountable so you can focus on healing.
What Is Bad Faith—and Is It Happening to You?
Truck insurers are required to handle your claim honestly and promptly. When they don’t, it may qualify as bad faith. This includes unexplained denials, unreasonable delays, or giving you the runaround.
If you’re being told different things by different adjusters, or your emails and calls are going unanswered, it’s worth investigating further. Bad faith is not just frustrating—it’s illegal.
What You Can Do Right Now
You can take steps today to strengthen your position. Start by documenting every call and letter. Save copies of all your correspondence, and never give a recorded statement without speaking to a truck wreck attorney.
Also, be mindful of Texas’s strict deadlines. Waiting too long could mean losing your right to file.
Here are a few more actions that make a real difference:
- Request a written explanation for any claim denial
- Keep a journal of your symptoms and treatment progress
- Ask for copies of your medical records and billing statements
- Track lost wages or hours missed at work due to the crash. Start by documenting every call and letter. Save copies of all your correspondence, and never give a recorded statement without speaking to an attorney.
Also, be mindful of Texas’s strict deadlines. Waiting too long could mean losing your right to file.
FAQs About Truck Accident Claim Delays and Denials in Texas
What should I do if the insurance company keeps asking for the same documents?
It’s a common delay tactic. Adjusters may repeatedly ask for records you’ve already sent to stall your case and pressure you into settling. Keep track of every document you send and every conversation you have. If this starts happening, it’s time to involve an attorney who can formally demand progress and hold them accountable.
How long can a truck accident claim take in Texas?
There’s no fixed timeline—especially when trucking insurers use delay tactics. Some claims resolve in months, others take over a year. But with legal representation, you can speed up the process by cutting through red tape, requesting black box data early, and pushing back on bad faith delays.
Can I still file a claim if I don’t know which company owns the truck?
Yes, you can still file a claim if you don’t know which company owns the truck. In many Texas trucking accident lawsuits, ownership and liability are deliberately complex. The truck might be leased, subcontracted, or maintained by another party. Our legal team knows how to investigate these layers and pinpoint who’s truly responsible, so you’re not left without answers.
What if the insurer says I’m partly to blame?
Texas uses a “modified comparative fault” system, which means if you’re more than 50% at fault, you may lose your right to recover damages. Insurers use this to their advantage, twisting facts or misusing your statements. That’s why you should avoid giving a recorded statement without legal guidance.
How does Angel Reyes & Associates help with stalled claims?
We move quickly to protect your case. That includes sending preservation letters for key evidence, challenging delay tactics directly, and navigating complex corporate relationships behind trucking companies. For over 30 years, we’ve helped Texans stand up to big insurers—and we’re ready to help you.
Why Angel Reyes & Associates Makes a Difference
Trucking companies and their insurers don’t delay by accident. With our team, you don’t have to navigate this system alone.
We act fast to preserve critical evidence, request black box data, and counter delay tactics with legal pressure. We know how these companies operate, and we know how to hold them accountable.
If your claim has stalled or you’re feeling pressured to accept less than you deserve, let’s talk.
