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Truck Insurance Requirements

Truck Insurance Requirements

Trucking accidents can cause some of the most catastrophic vehicle accidents. When you consider the size and the weight of an 18-wheeler truck, up to 80,000 lbs., smaller vehicles do not stand a chance. These accidents leave families with high medical and rehabilitation costs.  Costs that can go beyond your insurance policy.  This is why you need an experienced trucking accident lawyer. Walker Texas Lawyer is Houston’s tractor-trailer lawyer.  He understands truck insurance and the insurance requirement imposed on trucking companies.

Texas Commercial Vehicle Insurance Requirements

In Texas, the minimum liability insurance coverage is defined under §601.072 of the Transportation Code.

Minimum Insurance Coverage Of Commercial Vehicles

  • $300,000 for trucks weighing less than 10,001 lbs. and transporting nonhazardous materials
  • $750,000 for trucks weighing at least 10,001 lbs. and transporting nonhazardous materials
  • $1 million for trucks transporting oil
  • $5 million for trucks carrying hazardous materials.

At the very least, all tractor-trailers carry non-hazardous materials required to obtain $300,000 of liability insurance. However, operators of trucks of the same weight that carry hazardous or explosive materials are needed to receive $5,000,000 in liability coverage.  The Texas Department of Insurance has outreach programs established to inform all truck drivers and companies of this responsibility and requirement. Additionally, all trucking companies have a duty under §502.046 of the Transportation Code to demonstrate the financial burden for their vehicles. This can be done through the documents described under §601.053 of the Transportation Code—such as a motor vehicle liability insurance policy, an insurance binder, or a surety bond certificate. Additionally, it can be provided through liability self-insurance, to name a few truck insurance options. 

How to File A Tractor Trailer Accident Insurance Claim

Many individuals think that filing an insurance claim is easy.  Fill out your paperwork and wait for the money to come.  Only later to be denied.  This is a horrible and unjust outcome. Insurance companies are not in the business of handing out money.  They will use any means necessary to prevent paying.  It truly takes an experienced legal mind to understand the insurance policies and identify sources of compensation. However, victims may have three, four, or more different insurance company claims in some cases.  You may file the wrong claim without expert legal counsel and miss out.  This is why hiring a truck insurance lawyer is critical.

Walker Texas Lawyer knows the ends and outs of trucking accidents.  This is why he is Houston’s Truck Accident Law Firm.  Walker Texas Lawyer will pursue your claims for property damages, medical bills, and lost wages.  Also, Walker understands the importance of Truck Accident Investigations. Additionally, he knows the truck companies and the insurance agencies. Furthermore, he can help you navigate the complexity of insurance claims to ensure you receive the compensation you deserve.  If you have been injured in a truck accident, you need Houston’s tractor-trailer accident lawyer.

Expected Costs Victims Face After a Tractor Trailer Accident

  • Medical/hospitalization bills
  • Cost of wages missed while recovering
  • Loss of future wages
  • Cost of rehabilitation/therapy
  • Out-of-pocket expenses such as housekeeping or home modifications
  • Property damage, including damage to your vehicle

Houston’s Tractor Trailer Accident Lawyer

Don’t fight the insurance companies alone.  You deserve the maximum amount of compensation that you are entitled to.  You need to know all the avenues to get there.  If you have been injured in a truck accident, contact a personal injury attorney immediately.  The sooner you reach out, the better your chances of a positive outcome.  Walker Texas Lawyer understands the complex issues of truck accident law.  He can handle your insurance issues, including third-party claims.  You may have been in an accident due to a negligent driver, defective equipment, employer negligence, failure to meet truck regulations, or other instances; if so, you need to contact Walker Texas Lawyer Today!

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