An Odessa Car Accident Settlement of $150,000 for a Driver and Her Passenger, From the Company Pickup’s Commercial Policy

A Company Pickup Leaves La Campana Drive and Hits the Sedan’s Right Side

De Morada Drive and La Campana Drive meet at a T intersection in Odessa. La Campana ends there, with no stop sign and no signal. Our clients’ sedan went south on De Morada while the company pickup went east on La Campana. The officer wrote this.

The pickup’s front right struck the sedan’s right side. The police report itself is linked below. We covered every name, plate, ID number and insurance detail in it.

Code 33 Went to the Pickup Driver and Nobody Else

The officer listed one contributing factor. It is code 33, which the TxDOT code sheet lists as a failure to yield at an open intersection, and it sits on the pickup driver alone. He was cited for it.

Texas law puts the duty on the street that ends. Under § 545.151(e), a driver coming from a street that ends at an intersection with no traffic control device “shall stop, yield, and grant immediate use of the intersection to another vehicle that has entered the intersection from the other street or roadway”. Under subsection (f), a driver who must yield “and who is involved in a collision” with that traffic “is presumed not to have yielded the right-of-way.”

The damage ratings fit that picture, the pickup on its front right and the sedan along its right side. The other right of way rules are in our failure to yield guide. T bone crashes are common in Odessa. Our T bone crash index ranks Odessa first of 12 Texas cities for its 2025 rate, 465.3 per 100,000 residents against 216.2 statewide. That is a rate for the city, not anyone’s personal chance.

The Owner Box Named a Company and the Policy Paid $150,000

The pickup’s owner box names a company, and the insurance box lists a commercial insurer. That mattered, because it made this a company vehicle accident.

The Texas floor is $30,000 a person, with $60,000 the most one crash can draw, under § 601.072. A minimum personal policy would have capped both women together at $60,000. The commercial policy paid $150,000. Those limits are laid out in our Texas minimum insurance guide, and our insurance guide shows how a business auto policy sits behind a work truck. Our Midland result is another company pickup case.

The Passenger Sat Where the Pickup Struck and Both Women Were Hurt

The officer coded both women B, an evident injury. The passenger sat front right, the side the pickup struck. An ambulance took the driver to the hospital, and the passenger rode there in a private car.

The driver had right shoulder and low back pain, and X rays were normal. She wore an arm sling and had follow up care for about three and a half months. A shoulder injection brought near complete relief. Neck and low back pain were still being treated at her last visit.

The passenger had a headache and neck, knee and leg pain. Her head and neck CT scans came back normal, and she was diagnosed with a neck strain and a leg contusion. Follow up care lasted about three months. By her last pain management visit the neck and knee pain had resolved, but low back pain continued and an epidural injection was recommended.

Two Claims, Two Records and One Commercial Policy

Two women hurt in one car, and one company pickup at fault. This is the work behind the two settlements.

Fault, pinned down before any demand

We line up three things on every report: the officer’s code, the traffic rule that fits the road, and where the damage sits on each vehicle. Here all three pointed at the pickup driver, which left his insurer little room to argue about who caused the crash.

Reading the report for the policy that pays

The owner box named a company, and the insurance box listed a commercial insurer. That told us the claims were not boxed in by the $60,000 Texas minimum for a whole crash. A business policy also comes with its own claims team, so we prepared for an adjuster who handles these claims every day.

One car, two separate claims

Because the report put the fault on the pickup driver alone, both women’s claims went to the same commercial policy. They had different injuries and different care, so each demand was built on that woman’s own records, a file of more than 150 pages from the emergency room to her last follow up visit. That is why the two amounts differ.

An attorney on the number, a negotiator on the calls

On every claim, the demand amount comes from an attorney, who also signs off on each offer, while a negotiator works with the adjuster.

A file ready for a jury

Every file we build is ready for a jury, and adjusters can tell. This one held the officer’s code, the statute, photos of both crushed doors and each woman’s records in order. More than 3,000 Texas cases have come through our firm.

$150,000 From One Commercial Policy Before Any Lawsuit

Both amounts are gross. Fees and case costs came out before each woman’s share. This result came from these facts and predicts nothing about another case.

What Can This Odessa T Intersection Teach You?

• Read the owner and insurance boxes on your crash report. A company name can mean a bigger policy.
• A street that ends at an intersection with no sign still requires the driver on it to yield.
• A passenger has her own claim, separate from the driver’s.

Attorney Review

Reviewed by: Josh Alexander, Founder and Managing Attorney

Published and reviewed on October 16, 2026

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