When an accident happens, the two most concerning outcomes are injuries and death. Property damage also occurs, but the injuries and loss of lives are of greatest consequence. Nearly every state in America loses more than 1 million people to motor vehicle accidents per year, according to the Insurance Institute for Highway Safety (IIHS). This is the cost when motorists act negligently and when trucking companies, cargo loaders, and truckers fail to take precautions against falling cargo.