Accidents involving commercial trucks (18-wheelers, tractor-trailers, semi or large commercial trucks) are much more complex than regular car accidents. They typically involve more serious injuries or death, multiple out-of-state parties that can be held responsible (the driver, the owner of the truck, the truck carrier, the mechanic, the inspector, etc.), and numerous insurance claims.
Furthermore, the semi-truck accidents require a thorough investigation into multiple contributing factors involving the truck driver, the maintenance of the truck and its brakes, the cargo, the corporate culture of the trucking company, compliance with all state and federal regulations, the “black box” event data recorder on the truck, etc.
Accidents with commercial trucks are also very different from typical car accidents because they typically involve several commercial insurance policies that mandated by the Federal Motor Carrier Safety Administration (FMCSA). These commercial policies do not follow the same rules as the auto policies required for passenger vehicles in the State of Florida. They are required to carry insurance with higher limits than standard vehicle drivers. For example, FMCSA requires $750,000 primary liability coverage for trucks that weigh more than 10,001 pounds that carry non-hazardous property. Trucks weighing less than 10,000 pounds that carry hazardous materials are required carry liability coverage of at least $5 million.