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July 2, 2023 by Greg Baumgartner
The consequences of accidents involving 18-wheelers can be devastating. Understanding Texas Commercial Truck Insurance Requirements for 18-wheelers is crucial, as 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. This is to ensure that victims of accidents involving these large trucks are adequately compensated for their injuries and damages. Commercial truck insurance details various coverage options and minimum insurance requirements necessary for small and large trucking operations.
Commercial auto insurance is vital for any business operating vehicles in Texas for work purposes. This type of insurance is designed to cover the costs associated with business-owned vehicle accidents. Whether it’s a delivery van, a company car, or an 18-wheeler, commercial auto insurance helps pay for medical bills, legal fees, and other related expenses if one of your business vehicles is involved in an accident.
In Texas, having commercial auto insurance is not just a good idea—it’s a legal requirement. This insurance ensures that businesses can continue to operate smoothly even after an accident without facing crippling financial losses. For businesses that rely heavily on their vehicles, such as trucking companies, having robust commercial auto insurance is crucial to protect against the high costs of potential accidents and liabilities.
All drivers in Texas must have proof of auto liability insurance for each vehicle. 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 vehicle insurance 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, such as 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 anSmalles $5,000,000., and large buses must have $5,000,000
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.
Commercial auto insurance policies in Texas typically include several types of coverage to protect your business from various risks:
By understanding and selecting the right types of coverage, you can ensure that your business is well-protected against various risks.
It’s important to note that this minimum insurance requirement applies to the trucking company or the commercial truck owner. If the truck driver is an independent contractor, they may have liability insurance other than the company’s. Larger companies can also carry excess coverage, including general liability insurance, 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.
The cost of commercial auto insurance in Texas can vary widely depending on several factors. One of the primary factors is the industry in which your business operates. Different industries have different levels of risk, which can significantly affect insurance premiums. For example, a trucking company may face higher premiums due to the increased risk of operating large commercial trucks.
The types of vehicles your business uses also play a crucial role in determining insurance costs. A fleet of delivery vans may have different insurance needs and costs than a fleet of 18-wheelers. Additionally, factors such as your business’s annual revenue, credit score, and driving record can influence the cost of your insurance coverage.
On average, commercial auto insurance in Texas costs around $218 per month or $2,610 annually. However, these costs can vary based on your specific business needs and circumstances. By understanding the factors influencing insurance premiums, you can make informed decisions to manage your insurance costs effectively.
It’s important to note that this minimum insurance requirement applies to the trucking company or the commercial truck owner. If the truck driver is an independent contractor, they may have other liability insurance besides the company’s insurance. Often, larger companies can also 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 transports hazardous materials. 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, call us to consult with a skilled personal injury attorney who has experience handling truck accident cases.
Because 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.
Other potential defendants may also be responsible. Punitive damages are intended to punish the at-fault party and deter similar behavior in the future.
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 and understanding the regulations and insurance requirements for a trucking business. 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 who specializes in truck accident cases. These cases require specific knowledge and expertise, so choosing an attorney with a proven track record of success in this area is important.
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 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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