Mark Anderson | August 6, 2026 | Car Accidents
If you’re involved in an accident while driving a company car in Texas, you may have questions about insurance coverage, workers’ compensation, and who is responsible for your injuries. The answers often depend on the circumstances of the crash.
Understanding what happens after a company vehicle accident can help you protect your rights and avoid common mistakes. At Anderson Injury Lawyers, we help injured Texans understand their legal options after serious crashes.
Who Pays for a Company Car Accident in Texas?
Texas is an at-fault state. This means the driver who caused the accident is generally responsible for the damages resulting from the crash.
If another driver caused the crash, you may have a claim against that driver’s insurance company. If you caused the accident while performing your job duties, your employer’s commercial auto insurance policy may provide coverage for certain losses. Every insurance policy is different, so the available coverage depends on the facts of the accident and the policy terms.
Determining which insurance policies apply is often one of the first steps after a company vehicle accident.
Can You Receive Workers’ Compensation Benefits?
Possibly. If you were driving a company car while performing your job duties and your employer carries workers’ compensation insurance, you may qualify for benefits. You should also notify your employer as soon as possible after a company vehicle accident, as prompt reporting may be required for insurance or workers’ compensation purposes.
Workers’ compensation may provide:
- Medical treatment for your work-related injuries
- Partial wage replacement if you cannot work
- Disability benefits in qualifying situations
- Death benefits for surviving family members after a fatal workplace accident
These benefits are intended to help employees recover after a work-related accident or illness.
Can You Also File a Personal Injury Claim?
Yes. In some situations, workers’ compensation and personal injury claims are not mutually exclusive. If someone other than your employer or a co-worker caused the accident, you may have a third-party personal injury claim in addition to a workers’ compensation claim.
Unlike workers’ compensation, a personal injury claim may allow you to recover damages such as pain and suffering and the full amount of your lost income.
The team at Anderson Injury Lawyers carefully evaluates every case to determine all available sources of compensation for our clients. We’ve recovered over $100,000,000 for injured clients so far.
Does It Matter Whether You Were Working?
Yes. Whether you were acting within the scope of your employment may affect both insurance coverage and your eligibility for workers’ compensation benefits.
For example, if you were making deliveries, traveling to a worksite, or performing another job-related task, workers’ compensation may apply if your employer participates in the Texas workers’ compensation system.
However, if you were using the company vehicle for personal reasons without authorization, different insurance rules may apply. Every situation is unique, so it is important to review the facts with an attorney.
Frequently Asked Questions
What if My Employer Does Not Carry Workers’ Compensation Insurance?
Texas does not require most private employers to carry workers’ compensation coverage. If your employer is a non-subscriber, you may have additional legal options depending on the circumstances of your accident.
Can I Sue the Driver Who Caused the Accident?
If another driver’s negligence caused the crash, you may be able to file a personal injury claim against that driver, even if you were working at the time.
Will My Personal Auto Insurance Apply?
It depends on your insurance policy, your employer’s commercial policy, and how the company vehicle was being used when the accident occurred.
Should I Speak With a Lawyer Before Talking to the Insurance Company?
It is often beneficial to understand your legal rights before providing recorded statements or accepting a settlement offer from an insurance company.
Contact the Fort Worth Car Accident Lawyers at Anderson Injury Lawyers for Help Today
A company car accident in Fort Worth, Texas, can involve workers’ compensation issues, commercial insurance policies, and personal injury claims all at the same time. Understanding which laws apply is essential to protecting your financial recovery.
The Fort Worth car accident attorneys at Anderson Injury Lawyers are committed to helping injured clients understand their legal options and pursue the compensation they deserve. Contact us today to schedule a free consultation and learn how our experienced legal team can help after a company vehicle accident.
We proudly serve Tarrant County, Dallas County, Travis County, and throughout Texas.
Anderson Injury Lawyers – Fort Worth Office
1310 W El Paso St, Fort Worth, TX 76102
(817) 294-1900
Find us with our GeoCoordinates: 32.74621197527774, -97.33552733508391
Anderson Injury Lawyers – Fort Worth Office (Secondary)
6618 Fossil Bluff Dr # 108, Fort Worth, TX 76137
(817) 631-4113
Find us with our GeoCoordinates: 32.86241013538118, -97.30973893918065
Anderson Injury Lawyers – Dallas Office
408 W Eighth St Suite 202, Dallas, TX 75208
(214) 327-8000
Find us with our GeoCoordinates: 32.748815542196404, -96.82524302658787
Anderson Injury Lawyers – Austin Office
811 Nueces Street 6301, Austin TX, 78701
(512) 399-5000
Find us with our GeoCoordinates: 30.307794623518102, -97.73755898409242
About the Author
Mark A. Anderson is the founder of Anderson Injury Lawyers and a Board Certified Personal Injury Trial Lawyer—an honor held by only a small percentage of Texas attorneys. He earned his law degree from Baylor University School of Law and has spent more than 20 years helping injury victims across Dallas, Fort Worth and Austin. Mark handles cases involving car accidents, truck accidents, product liability, wrongful death, catastrophic injuries, and more. Click here to view some of the successful case results Mark has achieved for his clients.
Location: Dallas, Fort Worth, and Austin, Texas
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