Insurance Coverage for 18 Wheelers

A typical truck rig can weigh up to 40 tons. Occupants of a passenger vehicle weighing one-tenth as much has little chance to escape serious injury when an accident occurs. Many if not most accidents with 18 wheelers involve serious injury or death.

Given the potential of large commercial vehicles to cause serious injury, the minimum insurance required for commercial trucks over 10,000 pounds is subject to the Federal Motor Carrier Safety Regulations requiring a minimum of $750,000.

The Federal Motor Carrier Safety Regulations specify larger insurance coverage for trucks carrying hazardous material and does so also for commercial passenger vehicles.

Most motor carriers carry at least a 1 million dollar primary policy. Most trucking companies with many trucks carry an umbrella policy which raises the ultimate limits quite a bit more, often to five million dollars and or more.

Because of the likelihood of serious injury and wrongful death arising from an 18 wheeler accident, most insurance companies who insure large truckers and their carriers, have “quick response teams” whose goal it is to get on site of an accident scene within just a few hours or less to perform their investigation.

The purpose of such teams is often stated to gather information to help establish fault in an accident however, in truth they are there to gather information helpful in the defense of an inevitable wrongful death or serious injury lawsuit. The defense of truck accident cases usually is to shift liability and responsibility from the driver or company to the plaintiff or any other third parties that can be legally blamed. A huge amount of money rides on these liability decisions and so the motivation to find someone at fault other than the driver or their carrier is high.

Our Goal is to Maximize Your Financial Recovery

When you visit the offices of The Law Offices of Adrian Crane, P.C., or speak with one of our lawyers either at our office or on the phone, we are confident that you will find us welcoming and informative. We are your advocate in difficult times, we will work hard to answer your questions forthrightly, and we will do everything we can to help you physically recover from your injuries and to assist you in being compensated with money damages as payment for your pain and suffering, your lost wages and for your medical bills.

To learn how we can help after any kind of accident in the Dallas area, please contact the Texas attorneys at The Law Offices of Adrian Crane. For your convenience, you can contact us through the contact form on this website.

An accident with another car or a large tractor-trailer truck can turn your life upside down. Our attorneys will do everything they can to help you put it right again.


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