Semi-trailer truck accident on wet freeway during evening hours leads to significant road obstruction

Truck Drivers and Liability: What Happens If You’re at Fault in an Accident?

For truck drivers, the road comes with risks, and accidents can happen despite the best precautions. Truck driver liability in an at-fault accident can lead to significant financial and legal consequences.. Understanding how liability works and ensuring you have the right trucking insurance coverage is crucial to protecting yourself and your business.

Understanding Liability in a Trucking Accident

When a truck driver is at fault in an accident, they (or their employer) are responsible for covering damages, which may include:

  • Bodily Injury – Medical expenses, lost wages, and pain and suffering for injured parties.
  • Property Damage – Repairs or replacement of other vehicles or property damaged in the crash.
  • Legal Costs – If a lawsuit arises, legal fees and settlements can be substantial.

Liability coverage within a commercial trucking insurance policy helps cover these expenses, but the right level of coverage is essential to avoid financial hardship.

What Insurance Covers in an At-Fault Trucking Accident

Having the right insurance policy in place can protect you in case of an at-fault accident. Key coverages include:

1. Primary Liability Insurance

  • Covers bodily injury and property damage caused to others when you’re at fault.
  • Required by law for all commercial truck drivers.

2. Physical Damage Coverage

  • Covers repairs to your truck and trailer, regardless of who is at fault.
  • Includes collision and comprehensive coverage for accidents, theft, vandalism, or natural disasters.

3. Cargo Insurance

  • Protects the goods you’re hauling in case of damage or loss.
  • Essential for avoiding costly claims from shippers.

4. Non-Trucking Liability Insurance

  • Covers accidents that occur when you’re using your truck for personal reasons (not under dispatch).

5. Umbrella Insurance

  • Provides extra liability protection beyond standard policy limits in case of severe accidents or lawsuits.

Steps to Take After an At-Fault Trucking Accident

  1. Ensure Safety First – Check for injuries and call emergency services.
  2. Report the Accident – Notify the police and your insurance provider.
  3. Document Everything – Take photos, gather witness statements, and keep records.
  4. Avoid Admitting Fault – Let the authorities and insurers determine liability.
  5. Contact Your Insurance Provider – File a claim to initiate coverage for damages.

Protect Yourself with the Right Coverage

At Paramount Insurance Agency, we help truck drivers and trucking companies in North Carolina find the best liability protection. Whether you’re an owner-operator or run a fleet, we tailor policies to fit your needs and budget.

Don’t wait until an accident happens—make sure you have the right coverage today! Contact us at (336) 869-3335 to discuss your trucking insurance options.

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