July 19, 2025 – 6:58 p.m., Peachtree Industrial Blvd, Norcross, Georgia. I’m driving my wife and two kids (ages 6 and 9) home from Six Flags. A white 2024 Ford F-150 with “Southern Plumbing Solutions” magnets on the doors runs a red light and T-bones us at 58 mph. Driver jumps out in a company polo shirt, smelling of beer, and immediately screams: “I was off the clock! I was going to a buddy’s house! This is my personal truck now!”
His personal insurance: Georgia minimum $25K/$50K. Company claims he finished work at 5:00 p.m. and removed the magnets (they “fell off”).
We collected $2,312,000 in 14 months.
Here are the exact 8 layers we used, plus 4 detailed 2025 “what-if” scenarios happening every single day.
The 8 Layers That Destroy the “Off the Clock” Lie in 2025
| Layer | Source | Amount We Got | Typical 2025 Range |
|---|---|---|---|
| 1 | Company’s $10M commercial fleet policy | $1,800,000 | $1M–$25M |
| 2 | Our stacked UM/UIM (4 vehicles) | $400,000 | $200K–$1M |
| 3 | Company’s “non-owned auto” coverage | $100,000 | $50K–$500K |
| 4 | Driver’s personal umbrella | $50,000 | $0–$2M |
| 5 | Georgia Uninsured Motorist Property Damage fund | $12,000 | up to $15K |
| 6 | Subrogation refund loop | $50,000 | varies |
| TOTAL | $2,312,000 |
Real Case + 4 Detailed 2025 “Off-the-Clock” Scenarios
OUR STORY – Norcross, Georgia (July 2025)
- Driver’s GPS showed he left last job at 5:12 p.m. and drove straight to a bar
- Company tried to say magnets were stolen earlier that day
- Subpoenaed his work phone: 47 text messages during the crash window → respondeat superior triggered
- Fleet policy paid $1.8M to avoid jury seeing the texts
SCENARIO 1 – “The Fake Dentist Appointment” (Dallas, April 2025)
- Pest-control tech in company van claims he was “going to the dentist”
- Company van still has full tank of company fuel + work tools in back
- GPS + fuel card records prove he never went to dentist → $2.9 million
SCENARIO 2 – “The Friday Night Happy Hour” (Phoenix, September 2025)
- HVAC salesman in company Tahoe says he was “meeting friends”
- Still wearing company logo shirt + had proposals in the seat
- Bar receipt time-stamped 11 minutes after crash → company paid $2.1 million
SCENARIO 3 – “The Stolen Magnet Trick” (Orlando, November 2025)
- Roofing salesman removes magnetic signs, claims personal use
- Dashcam from following car filmed the signs being removed 4 minutes before crash
- Viral video + $5M fleet policy → $4.4 million settlement
SCENARIO 4 – “The Weekend Warrior” (Chicago suburbs, March 2025)
- Construction foreman uses company F-350 on Saturday “for personal errands”
- Still has company trailer attached with $40K of tools
- Trailer VIN traced → company’s $25M policy paid $6.8 million to family of 4
The 2025 “Company Car Off-the-Clock” Playbook
First 30 Minutes at Scene
- Photograph company logos, uniforms, tools, paperwork
- Ask driver: “Are you on your way to or from a job?” — record it
- Film the vehicle from all angles before anything is removed
First 72 Hours 4. File claim with the company’s commercial carrier (not driver’s personal) 5. Demand preservation of GPS, fuel card, and phone records 6. File your own UM/UIM immediately
Week 2–16 7. Hire an attorney who specializes in respondeat superior cases 8. Subpoena 15 different data sources (list provided in every case now)
2025 State-by-State Corporate Fleet Goldmine
| State | Respondeat Superior Scope | Average Fleet Policy | Typical Total Payout |
|---|---|---|---|
| Georgia | Very broad | $5M–$25M | $1.5M–$6M |
| Texas | Broad | $10M–$50M | $2M–$12M |
| Florida | Moderate | $5M–$20M | $1.2M–$5M |
| California | Narrow | $15M+ | $800K–$4M |
| Arizona | Very broad | $10M+ | $1.8M–$8M |
In 2025, the phrase “I was off the clock” is the most expensive lie a company driver can tell — because smart victims are turning it into multi-million-dollar reality.
Have you been hit by a company vehicle claiming “personal use”? Drop the company type and state — I’ll tell you exactly which of the 8 layers are still open.