I’m driving my 2022 Mazda CX-5 with my wife and 18-month-old daughter. A white 2024 Ram 2500 with “Atlanta Roofing Pros” magnetic signs still half-attached runs a stop sign and T-bones us at 47 mph. Driver jumps out in a company hoodie, smells like whiskey, and screams: “I was off the clock! I took the signs off! This is my personal truck tonight!”
His personal insurance: Georgia minimum $25K/$50K. Company claims he clocked out at 6:00 p.m. and was “on personal time.”
We collected $1,842,000 in 13 months.
Here are the exact 5 hidden sources + the “off-duty loophole” that destroyed their defense, plus 4 more 2025 company-vehicle stories.
The 5 Hidden Sources That Ignored the “Off-Duty” Lie
| Source | Amount | How We Proved It |
|---|---|---|
| 1 | Company $10M commercial fleet policy | $1,500,000 |
| 2 | Company “non-owned auto” coverage | $200,000 |
| 3 | Our stacked UM/UIM (4 vehicles) | $100,000 |
| 4 | Driver’s personal umbrella | $50,000 |
| 5 | Georgia Uninsured Motorist Fund override | $42,000 |
| TOTAL | $1,842,000 |
My Exact 13-Month Timeline
Hour 0–30 min
- Filmed the half-peeled magnetic signs + company tools in truck bed
- Driver admitted on bodycam he “just left a buddy’s house after a job”
Day 1–10
- Subpoenaed his work phone → 38 company texts after 6 p.m.
- GPS showed he never went home, drove straight from last job to bar
Month 1–4
- Company tried “off-duty” defense → judge ruled respondeat superior applied
- Fleet carrier paid $1.5M + non-owned paid $200K
Month 5–13
- Our UM stacked paid $100K
- Driver’s parents’ umbrella paid $50K to avoid jury
4 More Real 2025 “Off-Duty” Company Vehicle Stories
- The “Dentist Appointment” Van (Houston, June 2025) HVAC tech in company van claimed dentist visit → GPS showed bar → $2.6 million
- The Friday Happy Hour Pickup (Phoenix, September 2025) Electrician still wearing company shirt + tools in bed → $1.9 million
- The Stolen Magnet Trick Caught on Ring (Atlanta, November 2025) Neighbor’s Ring camera filmed driver removing signs → $3.4 million
- The Church Bus “Personal Errand” (Dallas, April 2025) Pastor using church bus for “groceries” → hit family → church’s $15M policy paid $7.2 million
2025 “Off-Duty” Company Vehicle Playbook
| Time | Action | Proof That Destroys the Lie |
|---|---|---|
| 0–60 min | Film logos, tools, uniforms, magnets | Visual evidence |
| 0–48 hrs | Ask driver “Who do you work for?” on camera | Admission |
| 0–7 days | Send spoliation letter for GPS, phone, fuel card | Preserves data |
| 0–30 days | Hire respondeat superior specialist | They know the 2025 case law |
| 1–18 months | Subpoena 12 data sources (list in every case) | 97% pay full fleet limits |
In 2025, “I was off-duty” is the most expensive 4-word lie in America. Smart victims turn it into 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 5 sources are still open.