Commercial truck accident underinsured

Commercial truck accidents rarely involve underinsured scenarios because federal law requires trucking companies to carry significantly higher insurance minimums—typically $750,000 to $1 million or more, depending on the cargo. However, if a truck driver is an independent owner-operator with minimal coverage, or if your damages exceed even these higher limits in a catastrophic injury case, your own UIM coverage can provide additional compensation. Trucking accidents often involve multiple liable parties—the driver, trucking company, cargo loaders, or equipment manufacturers—each potentially carrying separate insurance policies. Kane Trial Law thoroughly investigates all sources of coverage in serious truck accident cases.