In an ordinary car accident, who pays and how much is determined by the type of accident, and who’s at fault. For example, if you were rear-ended by someone else, their insurance would pay you for the repairs and any medical coverage you need, since the other driver was at fault for the accident. In a truck accident, the process is very similar.
If you’ve been involved in an accident with a semi truck (and the truck was at fault), the truck operator’s insurance will pay your damages. However, not all trucks are operated in the same manner, and that means that the type of insurance you’ll be dealing with can vary greatly depending on your accident.