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Minimum insurance requirements for truckers

All California drivers are supposed to carry at least a small amount of insurance, called automobile liability insurance, which will help them pay compensation in the event they cause an accident through their own carelessness. Moreover, because truck accidents are more likely to result in serious injuries, truckers who drive in the Los Angeles area are, generally speaking, required under either state or federal law to carry additional liability insurance.

Under California's laws, depending on what type of property the trucker is hauling, the trucker will have to have at least $300,000 and up to $5 million in automobile liability coverage. These numbers are based on a combined single limit, which means the amount of insurance represents the most an insurance company will pay for a single accident involving the trucker. Without showing proof of this insurance coverage, the trucker will not be able to get the official permission it needs to operate legally as a trucker in California.

Furthermore, some truckers that might be subject to California's laws may still have to follow federal regulations, which also impose minimum insurance requirements. For instance, under these federal regulations, a trucker hauling what could be described as ordinary property that is not particularly dangerous must have a minimum liability limit of $750,000. Again, this is a combined single limit, and the $750,000 limit may increase if the trucker is hauling dangerous property.

Knowing these regulations and laws is important for residents of the Los Angeles area in the event that they or a loved one gets seriously hurt in a truck accident. The bottom line is that a trucker, at least one who is operating legally, should be able to cover all losses except in the most severe of accidents. An injured person should not hesitate to ask for all the compensation to which he or she is entitled.

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