Commercial truck owners are required to carry higher amounts of liability insurance than the average car owner is required to purchase. For example, in most states, commercial truck companies are required to insure their trucks for a minimum of $1 million. That means the stakes are higher, and insurers will move aggressively to limit their liability.
Multiple parties may share liability in a truck accident, including the truck driver, the trucking company, a cargo shipper and the company that loaded the trailer. Each may have separate insurance coverage. The insurance companies will try to minimize the amount of any settlement and may dispute liability or try to shift the liability to others involved. This can make a commercial truck accident much more complicated to resolve than a regular automobile accident.