{"id":1055,"date":"2020-10-26T21:09:25","date_gmt":"2020-10-26T21:09:25","guid":{"rendered":"https:\/\/www.justinian.com\/?post_type=faqs&p=1055"},"modified":"2021-08-19T21:58:51","modified_gmt":"2021-08-19T21:58:51","slug":"how-much-insurance-are-trucks-required-to-have-in-texas","status":"publish","type":"faqs","link":"https:\/\/www.justinian.com\/es\/faqs\/cuanto-seguro-deben-tener-los-camiones-en-texas\/","title":{"rendered":"How much insurance are trucks required to have in Texas?"},"content":{"rendered":"\n

Texas requires trucking companies to file proof of insurance for all their registered vehicles. These are special insurance policies for commercial vehicles.<\/p>\n\n\n\n

Federal and Texas-state laws require motor carriers to have certain minimum amounts of insurance coverage. These depend on the vehicle and cargo:<\/p>\n\n\n\n

Commercial Truck Insurance<\/h2>\n\n\n\n

Commercial Truck liability insurance is meant to pay for bodily injuries and property damage suffered by the victim of a trucking accident. This might include medical bills and car repairs, as well as lost wages, and the cost of ongoing therapy or pain and suffering.<\/p>\n\n\n\n

In general heavier trucks can cause more damage and destruction, and are required to have more insurance.<\/p>\n\n\n\n

In addition, trucks carrying more dangerous cargo<\/em> (like dynamite) are required to have much bigger insurance policies.<\/p>\n\n\n\n

Here is a chart of the requirements:<\/p>\n\n\n\n

Type of Truck<\/th>Cargo<\/th>Insurance Coverage Required<\/th><\/tr><\/thead>
For-hire
Gross Vehicle Weight of 10,001 pounds or more<\/td>		Non-hazardous Property<\/td>$750,000<\/td><\/tr>
For-hire and Private
Gross Vehicle Weight of 10,001 pounds or more<\/td>		Hazardous substances (as defined in 49 CFR 171.8)<\/td>$5,000,000<\/td><\/tr>
In interstate \/ foreign commerce, regardless of weight
If driving within a state, Gross Vehicle Weight of 10,001 pounds or more<\/td>		Oil (as listed in 49 CFR 172.101)
Hazardous materials not covered above or below<\/td>		$1,000,000<\/td><\/tr>
For-hire and Private
In interstate or foreign commerce, with a gross vehicle weight rating of less than 10,001 pounds)<\/td>		Hazardous materials as defined in 49 CFR 173.403<\/td>$5,000,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Large Passenger Vehicles<\/h2>\n\n\n\n

Other than 18-wheelers, some large passenger vehicles (like commercial buses) also have commercial insurance requirements.<\/p>\n\n\n\n

Driving Location<\/th>Number of Passengers<\/th>Insurance Coverage Required<\/th><\/tr><\/thead>
Interstate<\/td>16 or More People<\/td>$5,000,000<\/td><\/tr>
Interstate<\/td>15 or Fewer People<\/td>$1,500,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Note:<\/strong> Certain small commercial vehicles, like taxis and airport shuttles, have different insurance requirements. If you have been injured in an auto accident involving a taxi or rideshare, you can find out more information here<\/a>.<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Small Commercial Trucks<\/h2>\n\n\n\n

Smaller trucks that operate as commercial vehicles generally have smaller insurance requirements. For example, trucks carrying only household goods as cargo need $300,000.<\/p>\n\n\n\n

Commercial Trucking Cargo Insurance<\/h2>\n\n\n\n
  • Commercial truck companies (known as \u201cmotor carriers\u201d) are required to have insurance to cover damage and losses to their cargo.<\/li>
  • Loss or damage to a single customer\u2019s cargo – $5,000<\/li>
  • Loss or damage to multiple customers\u2019 cargo – $10,000<\/li><\/ul>\n\n\n\n

    Commercial Trucking Employee Insurance<\/h2>\n\n\n\n

    Commercial truck companies must also have minimum insurance for injuries to their employees (workers\u2019 compensation insurance):<\/p>\n\n\n\n

    • $300,000 for medical expenses for at least 104 weeks<\/li>
    • $100,000 for accidental death or dismemberment \u2013 including 70% of the employee\u2019s pre-injury income for at least 104 weeks<\/li>
    • $500 for a maximum weekly benefit<\/li><\/ul>\n","protected":false},"featured_media":0,"parent":0,"template":"","faq_tax":[7],"class_list":["post-1055","faqs","type-faqs","status-publish","hentry","faq_tax-trucking-accidents"],"acf":[],"x_date":"octubre 26, 2020","x_metadata":{"_yoast_wpseo_primary_faq_tax":"7","_yoast_wpseo_focuskeywords":"[]","_yoast_wpseo_keywordsynonyms":"[\"\"]","_trp_translated_slug_es_ES":"cuanto-seguro-deben-tener-los-camiones-en-texas","_yoast_wpseo_title":"How much insurance are trucks required to have in Texas? | Justinian & Assoc.","_yoast_wpseo_metadesc":"Commercial Truck companies must have liability insurance to pay for bodily injuries and property damage suffered by the victim of a trucking accident."},"_links":{"self":[{"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/faqs\/1055","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/faqs"}],"about":[{"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/types\/faqs"}],"wp:attachment":[{"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/media?parent=1055"}],"wp:term":[{"taxonomy":"faq_tax","embeddable":true,"href":"https:\/\/www.justinian.com\/es\/wp-json\/wp\/v2\/faq_tax?post=1055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}