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July 2, 2023 by Greg Baumgartner
When it comes to accidents involving 18-wheelers, the consequences can be devastating. These massive vehicles can cause significant damage and severe injuries to those involved.
If you find yourself in a situation where you’ve been injured in a collision with an 18-wheeler, it’s crucial to understand the insurance requirements in Texas for 18-wheelers. The easiest way is to hire a Houston trucking accident lawyer right away.
Federal regulations of truck drivers provide the minimum safe conduct for trucking companies and violations prove strong evidence of negligence after an accident.
As in most states, commercial vehicles, including 18-wheelers, must carry more insurance coverage than regular passenger vehicles in Texas. The reason behind this is to ensure that victims of accidents involving these large trucks are adequately compensated for their injuries and damages.
All drivers in Texas must have proof of liability insurance for each vehicle they drive. Truckers are no exception. If you are in an accident with a semi or other commercial vehicle, you must provide the insurance coverage information to the investigating officer.
Both Texas law and federal law require minimum limits for commercial vehicles. Truck drivers and trucking companies must have at least the specified minimum coverage. Coverage requirements vary depending on the type of vehicle, the use of the vehicle, and what it carries.
According to the Texas Department of Insurance and federal law, commercial motor vehicles with a gross weight rating of 26,001 pounds or more and engaged in interstate commerce must have a minimum liability insurance policy of $750,000.
This policy covers bodily injury and property damage caused by the negligence of the truck driver or the trucking company. Limits increase for certain types of loads like oil or hazardous material.
Trucks engaged only in intrastate business can carry less insurance in Texas. For instance, a commercial vehicle weighing less than 26,000 pounds transporting household goods can have only $300,000 liability coverage. While small buses must have $500,000 of coverage and large buses $5,000,000.
While a commercial vehicle transporting household goods and weighing over 26,000 pounds must have at least $500,000 in liability coverage. Here are the current minimum limits in Texas.
It’s important to note that this minimum insurance requirement applies to the trucking company or the owner of the truck. If the truck driver is an independent contractor, they may have other liability insurance besides the company’s insurance. Too, larger companies can carry excess coverage that is stacked on top of the primary policy.
The insurance requirements may be higher in certain cases, such as when the 18-wheeler is transporting hazardous materials. The specific details regarding insurance coverage for hazardous materials can be found in the Texas Transportation Code.
It’s important to note that this minimum insurance requirement applies to the trucking company or the owner of the truck. If the truck driver is an independent contractor, they may have other liability insurance besides the company’s insurance. Too, larger companies can carry excess coverage that is stacked on top of the primary policy.
The insurance requirements may be higher in certain cases, such as when the 18-wheeler is transporting hazardous materials. The specific details regarding insurance coverage for hazardous materials can be found in the Texas Transportation Code.
While these insurance requirements may seem sufficient, the reality is that accidents involving 18-wheelers often result in catastrophic injuries and damages that far exceed the minimum coverage limits. Victims may require extensive medical treatment, rehabilitation, ongoing care, and compensation for lost wages, pain, and suffering.
If you have been involved in an accident with a commercial vehicle like a big rig, it’s crucial to consult with a skilled personal injury attorney who has experience handling truck accident cases.
They can investigate the accident, gather evidence, and negotiate with the insurance company on your behalf to ensure you receive the full and fair compensation you deserve.
An experienced attorney will understand the complexities of truck accident cases and can identify all potentially liable parties, such as the truck driver, the trucking company, the truck manufacturer, or even the cargo owner. They will work diligently to hold the responsible parties accountable for their actions and fight for your rights.
In addition to the insurance coverage required by law, other potential sources of compensation may be available. For example, if the truck driver was found to be under the influence of drugs or alcohol at the time of the accident, victims may be eligible for punitive damages.
Also, other potential defendants may be responsible. Punitive damages are intended to punish the at-fault party and deter similar behavior in the future.
Navigating the legal process after a truck accident can be overwhelming, especially when dealing with injuries and recovery. That’s why it’s essential to have a knowledgeable attorney by your side, guiding you through every step of the way. They will handle all communication with the insurance company, negotiate settlements, and, if necessary, take your case to trial to ensure you receive the maximum compensation possible.
When searching for a top-rated personal injury attorney in the greater Houston area, there are a few key qualities to look for. First and foremost, you want an attorney specializing in truck accident cases. These types of cases require specific knowledge and expertise, so it’s important to choose an attorney with a proven track record of success in this area.
Additionally, you want an attorney who is compassionate and empathetic toward your situation. Dealing with the aftermath of a truck accident can be incredibly stressful and overwhelming, both physically and emotionally. A skilled attorney will understand the accident’s impact on your life and will be there to support you throughout the entire legal process.
Furthermore, you need an attorney who is assertive and confident in their approach. Trucking companies and their insurance providers often have teams of lawyers working to minimize their liability and payout. To level the playing field, you need an attorney who is not afraid to stand up to these powerful entities and fight for your rights.
Lastly, experience and communication are key. A good attorney will investigate the crash and keep you informed and updated on the progress of your case. They will promptly respond to your questions and concerns and ensure that you understand your legal options every step of the way.
Consulting with a top-rated personal injury attorney in the greater Houston area is crucial if you have been involved in a truck accident. Our truck accident lawyer has the knowledge, experience, and dedication to navigate the complexities of truck accident cases and fight for you.
6711 Cypress Creek Pkwy, Houston, TX, 77069
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Houston Fatal Truck Accident Lawyer
Since founding the Baumgartner Law Firm in 1985, Greg Baumgartner has established himself as a leading personal injury attorney in Houston, Texas, with a focus on representing severely injured accident victims and families who have suffered the loss of a loved one. His commitment to excellence in legal advocacy has earned him recognition from prestigious organizations, including Super Lawyers and the Top 100 Trial Lawyers and others. With decades of experience, Greg is consistently peer-reviewed and holds a preeminent rating, reflecting his dedication to achieving justice for his clients.
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