1) How do commercial semi-truck crashes differ from non- commercial traffic collisions?
Commercial trucks have the potential of causing much more damage than most personal use vehicles. As a result, commercial trucks are highly regulated. Commercial trucks impacting interstate commerce must comply with detailed federal trucking laws and regulations.
Commercial trucks have higher insurance requirements than cars. Under federal law trucks including semis and LCVs must carry at least $750,000 of liability insurance coverage per accident. Smaller commercial trucks with non-hazardous loads need $300,000 in insurance for general goods. Trucks hauling HAZMAT materials must have at least $1M coverage of bodily injury and damage to property liability coverage. By contrast, Oregon law currently only requires $25k per person / $50k of liability insurance for per accidents for cars and light duty trucks.
Commercial truckers have more laws to comply with than lay drivers. For example, federal trucking rules and regulations set the correct method for loading, maintaining, operating commercial tractor-trailers. Federal trucking regulations also limit commercial truckers’ hours of service. A trucker or truck company violation of a safety rule establishes negligence as a matter of law (“negligence per se”).
Potential for catastrophic claims has led the trucking industry toward aggressive practices designed to limit their financial exposure. For example, it’s not unusual for trucking companies, their insurers and even attorneys to arrive at an accident scene, confiscate crucial evidence and sequester their truck drivers.
TIP: For more detailed information about truck accident claims go to