Large commercial trucks are required to maintain commercial insurance policies with much higher coverage limits. This means that, in most cases, the trucking company’s insurance policy itself will provide $1 million or more in coverage, which is much higher than typical private car insurance coverage limits. Additionally, the “verbal threshold” insurance coverage option for private insurance coverage will not apply to limit your right to pursue a claim for compensation after a truck accident, as it might if you were injured in an accident with another private vehicle.