What Are the Insurance Requirements for Commercial Trucks in the United States?

At Roberts & Harris, PC, our national trucking accident attorneys in Raleigh know that the Federal Motor Carrier Safety Administration has specific insurance coverage guidelines that help protect a liable party in the event of a collision, injuries, or fatalities occur.

These insurance coverage requirements also allow our truck accident lawyers across the country to pursue the maximum financial recovery for clients who have been hurt or lost a loved one in a truck accident anywhere in the U.S.

Here is what you need to know about the minimum insurance coverages required for trucks traveling across America’s roadways.

The minimum U.S. Commercial Truck Insurance Coverage Requirements

The minimum amount of liability insurance coverage required for trucks is dictated by the type of commercial vehicle that is hauling certain materials.

That includes trucks that are transporting:

  • General Freight: Minimum insurance coverage of $750,000
  • Hazardous Materials: Minimum insurance coverage of $5,000,000
  • Household Goods: Minimum insurance coverage of $300,000
  • Oil Transport: Minimum insurance coverage of $1,000,000

Truck drivers who travel outside the state where their 18-wheelers are registered must conform to the FMCSA federal liability limits, which typically require insurance coverage ranging between $750,000 and $1,000,000.

Insurance coverage required by U.S. semi-trucks includes:

Other types of insurance coverage that are not required, but may be purchased in addition to their mandatory requirements include:

  • Collision Coverage
  • Comprehensive Coverage
  • Hired Truck Insurance Coverage
  • Medical Payments Coverage
  • Non-Owned Truck Coverage
  • Towing and Labor Coverage
  • Uninsured Motorist Coverage

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. Contact our leading national truck accident attorneys at Roberts & Harris now to learn more.

Contact Our Skilled National Truck Accident Lawyers at Roberts & Harris Today

If you have been hurt or lost a loved one in a truck accident anywhere in the U.S., contact our experienced personal injury attorneys at Roberts & Harris today at 919-249-5006 or online to learn how we can help you investigate the cause of your injuries and pursue justice for you and your family.

Our skilled national truck accident lawyers provide free consultations for all personal injury cases, and never charge any legal fees unless we deliver a positive outcome for your unique case. Call us now to learn more. Please contact our Raleigh Personal Injury Attorneys for more legal help.

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