At the Hollingsworth Law Firm, our Houston truck accident attorneys know that when our clients are injured during a Texas traffic crash with a commercial vehicle, each of their financial recovery pursuits begins with establishing several facts.
First, our Harris County personal injury lawyers must identify who was liable for the crash, which may include the truck’s driver, the trucking company, or another third party.
Next, we must determine what the at-fault party’s insurance policy limits are, so we can pursue the best outcome for each of our client’s unique cases.
What is the Minimum U.S. Commercial Truck Insurance Coverage Requirement?
The Federal Motor Carrier Safety Administration has specific insurance coverage guidelines that help protect a liable party in the event of collisions, injuries, or fatalities.
Independent truck drivers and trucking companies must carry the minimum amount of liability insurance coverage for their truck and/or each truck in their fleet based on the type of commercial vehicles they have in operation.
The minimum insurance coverage for commercial vehicles is based on the type of materials they are hauling and include:
- Household Goods: $300,000
- General Freight: $750,000
- Oil Transport: $1,000,000
- Hazardous Materials: $5,000,000
The FMCSA federal liability insurance limits, required for truck drivers who travel outside the state where their 18-wheelers are registered, range between $750,000 and $1,000,000, which covers:
- Bodily Injury Liability.
- Personal Injury Protection.
- Property Damage Liability.
If you have been injured in a truck accident anywhere in the U.S. that was caused by negligence, you do not have to face the liable party or their insurance company alone. We can help you determine who is responsible for your injuries and the coverage that applies to your recovery needs.
Our skilled bilingual personal injury lawyers and support staff represent clients throughout the state of Texas on a contingency basis, so you never pay any legal fees unless we win your case.
If you are ready to fight for the compensation you deserve, so are we. Let us take the lead.