sa-cva-liability-split v2026-06-10

<!-- ==================== LIABILITY EDITORIAL ==================== -->
<section class="cva-liability" aria-labelledby="cva-liability-h">
  <h2 id="cva-liability-h">Who pays after a <em>commercial vehicle</em> crash?</h2>
  <div>
    <p>In a typical fender-bender, you deal with one driver and one policy. Commercial crashes are different because the law looks past the driver to the business behind the wheel. Under the doctrine of <em>respondeat superior</em>, an employer is responsible for the negligence of a worker acting within the scope of the job, which puts the company, and its commercial policy, squarely in the claim.</p>
    <p>Depending on how the crash happened, the parties who may share responsibility include:</p>
    <ul>
      <li><span style="color:#D97706;font-weight:700;margin-right:8px;">&#10003;</span>The driver who caused the crash</li>
      <li><span style="color:#D97706;font-weight:700;margin-right:8px;">&#10003;</span>The company that employed the driver or owned the vehicle</li>
      <li><span style="color:#D97706;font-weight:700;margin-right:8px;">&#10003;</span>A separate motor carrier, broker, or contractor that controlled the route</li>
      <li><span style="color:#D97706;font-weight:700;margin-right:8px;">&#10003;</span>A maintenance or repair vendor that signed off on an unsafe vehicle</li>
      <li><span style="color:#D97706;font-weight:700;margin-right:8px;">&#10003;</span>A cargo loader whose shifting or overweight load contributed</li>
    </ul>
    <p>Kentucky follows pure comparative fault under <a href="https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=17782" target="_blank" rel="noopener"><strong>KRS 411.182</strong></a>, so more than one party can be assigned a share of the blame. Sorting out who is responsible, and reaching each available policy, is where commercial cases are won or lost.</p>
  </div>
</section>

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