Insurance and Truck Driver Laws

Insurance regulations

Trucking companies and truck drivers are required by law to comply with complex federal and state regulations and rules which govern all the aspects of these operations. The goal behind these laws is to ensure the safe operations of all trucks in order to avoid catastrophic injuries.

The FMCSA (Federal Motor Carrier Safety Administration) enforces these regulations and laws through roadside inspections, compliance reviews, audits involving trucking terminals, compliant investigations along with other types of investigations. Violations of these laws often involve fines or the federal inspectors taking the truck driver or trucks off roads for repeated and serious violations. The commercial trucking companies and truck drivers are required to know what is expected of them and keep up to date with any new laws or regulations. Yet FMCSA stated that in the Fiscal Year of 2014 they closed 5,085 “enforcement cases” and went onto collect $36.2 million in regards to fines.

If a trucking company or truck driver violates one of these established regulations or rules, its counts as solid evidence in regards to negligence once a collision has occurred. This type of evidence is able to support personal injury cases that are brought forward to attain compensation in regards to medical expenses and or any other losses sustained for a victim or victims of accidents which have been caused by the truck driver. This is where wholesale truck insurance is critical for trucking companies.

The Scope Of FMCSA Truck Driving Regulations

The FMCSA regulations on commercial trucks include tanker trucks, tractor-trailers along with other types of commercial vehicles will address topics that include the following:

  • Operation Of The Commercial Vehicle

The truck drivers that operate commercial vehicles are forced to comply with the rules that pertain to prohibitions of drug and alcohol use, certain physical requirements and periodic physical-examinations.

  • Driver Qualifications

Certain expectations and standards are required before the driver will be allowed to operate semi-trucks. To begin with the driver will need to be a minimum of 21 years of age, hold a commercial and valid driver’s license (CDL) and understand and speak conversational English.

  • Minimum Insurance Coverage

Truck drivers and trucking companies need to carry increased liability insurance amounts when compared to the drivers of the passenger cars. This is due to the increase in serious damage or harm that the heavier trucks are capable of causing.

  • Vehicle Maintenance, Repairs And Inspection

The trucking companies hold the responsibility in making sure that all the parts, systems and accessories operate safely on all vehicles that are placed onto the nations’ highways.