When two vehicles collide, auto insurance is typically responsible for covering damages. This same principle applies to collisions involving large commercial trucks, especially 18-wheelers operating across state lines. However, truck accidents often involve more complex insurance requirements due to the heightened risks and regulations tied to interstate transportation.
What Is Required Insurance Coverage for 18-Wheelers?
Federal regulations mandate that interstate motor carriers carry a minimum of $750,000 in liability insurance. For carriers transporting oil or certain hazardous materials, the minimum increases to $1,000,000. These rules are designed to ensure that victims of truck crashes have access to the compensation they need for medical expenses, property damage, and other losses.
What Is the MCS-90 Endorsement?
What many people don’t realize is that some commercial trucking insurance policies include an additional layer of protection known as an MCS-90 endorsement. This endorsement is a federal filing that serves as a safety net for the injured party when a trucking company’s primary insurance is insufficient or unavailable.
When Does MCS-90 Apply in a Truck Accident?
The applicability of an MCS-90 endorsement depends on several case-specific factors, including:
- Whether the motor carrier is operating in interstate commerce
- If the primary insurance coverage has been exhausted or denied
- The type of cargo being transported
- Whether the carrier was acting within the scope of their commercial operations
Because these variables can be legally and factually complex, having an experienced truck accident lawyer who understands federal motor carrier regulations is critical.
How Vickery & Shepherd Can Help
At Vickery & Shepherd, our attorneys have a proven track record of successfully handling 18-wheeler crash cases, from initial investigation through trial and appeal. We understand how to navigate complex insurance issues, including the MCS-90 endorsement, to ensure our clients receive the maximum recovery available under the law.
Currently, we are representing a Wyoming resident from Mills who was seriously injured in a crash involving an interstate motor carrier, where the MCS-90 provision is playing a key role in the case.
Injured in a Truck Accident?
If you or a loved one has been involved in a crash, whether with an 18-wheeler or another type of vehicle, contact us today for a free consultation to learn more about your rights and legal options.