Aside from the rules and regulations the Federal Motor Carrier Safety Administration (FMCSA) requires commercial truck drivers to comply with, the State of Indiana also has some of their own in which truckers and trucking companies must abide by as well. Now, if you are someone who operates a truck and are simply wanting to read up on the current requirements you must comply with , or you are looking to gain a better understanding of what some of the rules are that truckers must follow are as you were recently involved in a wreck with a truck driver in Indianapolis, IN, then read on as we highlight some of this important information for you below.
What are the insurance requirements for a commercial truck?
Companies that are responsible for overseeing the operation of a commercial truck fleet must ensure they are carrying the proper amount of insurance coverage. The Motor Carrier Services Division of the Indiana Department of Revenue highlights the following as the current insurance requirements:
- For-hire carrier transporting nonhazardous property in a vehicle with a gross vehicle weight rating (GVWR) of 10,001 lbs. or more, the minimum amount of insurance that must be purchased is $750,000.
- For-hire carrier transporting nonhazardous property in a vehicle with a GVWR of 10,000 lbs. or less – $300,000.
- Private and/or for-hire carrier transporting hazardous material – $1,000,000 to $5,000,000.
- For-hire carrier transporting passengers in a vehicle with a seating capacity of 15 or fewer – $1,500,000.
- For-hire carrier transporting passengers in a vehicle with a seating capacity of 16 or more – $5,000,000.
The reason the insurance limits are much higher than what a driver of a passenger vehicle would have to purchase is because these large trucks have a lot of responsibility on their hands. Not only are these vehicles spending much more time on the roadway than the average driver, but if they were to engage in a single or multi-vehicle accident, it is likely the incident would result in serious damage to property as well as injuries. Therefore, trucking companies must be carrying an adequate amount of insurance to be sure they can cover any damage, injury, or death that might arise after a truck collision has occurred.
What equipment must a driver check at the start of each trip?
Aside from being aware of the insurance requirements a trucking must comply with, you should also be aware of some of the responsibilities that a truck driver has. One of those is to check certain equipment before the start of each trip to ensure the vehicle is in safe and working condition. Many of the truck collisions that have occurred on our roadways have been caused by defective equipment or parts and could have been prevented had the trucker taken the time to either inspect the truck or report the defects they found before utilizing it for transporting cargo.
Therefore, the Motor Carrier Services Division of the Indiana Department of Revenue states that truckers are obligated to inspect the following equipment before each trip:
- Service brakes, including trailer-brake connections
- Parking brake
- Steering mechanism
- Lighting devices and reflectors
- Windshield wipers
- Rear-vision mirror(s)
- Coupling devices
- Wheels and rims
- Emergency equipment
Now, when the operator of a commercial truck and/or the company in which they are employed with fail to follow state and federal rules and regulations which lead to an accident occurring, they can be held accountable for the damage that has been caused. Not only would their insurance policy take effect, but they risk being sued by the party whom they caused to suffer. And if you have been involved in a truck wreck with a driver in Indianapolis, IN who wasn’t complying with the rules and regulations that have been established and the accident has left you suffering from a severe injury, you may be entitled to recover a significant amount of compensation.
To learn more about how much the accident entitles you to collect and what forms of action need to be taken on your part to recover this amount, contact the Indianapolis, IN truck crash lawyers at Norris Choplin Schroeder LLP. The attorneys at this firm will not only help you gather all the evidence you need to build a solid case but work by your side until a favorable outcome is reached.
You can reach Norris Choplin Schroeder LLP at:
101 West Ohio Street, Ninth Floor
Indianapolis, IN 46204