What Are Trucking Companies Required To Have Insurance Coverage For In Georgia?
Both the state of Georgia and the Federal Motor Carrier Safety Administration (FMCSA) require truckers in the state of Georgia to follow specific rules when operating semi trucks. Some types of insurance coverage are mandatory, while others are optional, and the requirements vary depending on whether the truck travels inter- or intrastate.
Involved In An Accident With An Uninsured Truck? Call Us!
Getting into an accident is bad enough. Getting into an accident with someone who already is not following the rules is even more infuriating. However, even if the trucker is in the wrong, the trucking company may still back him with their team of lawyers and investigators. Do not let them make it look like the accident was somehow your fault.
Insurance claims involving trucking companies can be a tricky ordeal. Enjoy the peace of mind that comes from knowing you have a professional on your side. Call Prieto, Marigliano, Holbert & Prieto, LLC today to speak with one of our experienced personal injury lawyers. We know the loopholes the trucking companies try to exploit, and we are two steps ahead of them in their own game.
Insurance Requirements In The State of Georgia
The state of Georgia requires that all trucking companies have a minimum amount of liability coverage. The amount of coverage necessary depends on what kind of freight the trucks pull and where they pull it.
For instance, a truck carrying oil throughout the state of Georgia requires a minimum of $1 million in liability insurance. However, a truck carrying household goods throughout the state need only carry a minimum of $300,000 in liability insurance.
The insurance requirements become more specific if the trucks travel out of state. These requirements are issued under federal law, and the minimums are typically between $750,000 and $1 million.
Types Of Intrastate Trucks
Intrastate trucks are trucks that drive within the state of Georgia and never have to cross state lines. Some examples of intrastate trucks include:
- Garbage trucks
- Fire trucks
- Logging trucks
- Construction trucks, including cement haulers
While interstate trucks are more directly affected by the FMCSA, both interstate and intrastate trucks are governed by Georgia law, which incorporates federal law into some of its policies.
When a truck is involved in an accident, it is the state’s rules that determine how much to award in a personal injury case. If you have been injured in an accident involving a truck, Prieto, Marigliano, Holbert & Prieto, LLC can help.
Georgia Trucking Regulations
Both interstate and intrastate trucking companies must follow the federal regulations set by the FMCSA. These regulations include:
- All trucks must have safety equipment on board.
- All drivers must be drug and alcohol tested.
- Limits are placed on the number of hours a trucker can drive, as well as the length, width, and weight of the trucks.
- Trucks are required to be regularly inspected and maintained as directed by law.
There are additional requirements if a truck is used to transport hazardous or forest materials. These regulations include:
- Standards for commercial drivers’ licenses
- Required markings on the vehicle, as well as lighting devices and reflectors
- Specific driver qualifications
- Tie-downs, including top and side securements
- Tire covers
These additional regulations are not limited to the above and can include more than what is listed here.
Violations For Unsafe Driving
There are stiff penalties for those who violate any of the rules and regulations regarding truck driving in the state of Georgia. For instance, a trucking company may face a fine of up to $15,000 for one of its drivers not following the rules. If the driver continues to not follow the rules after the first violation has been issued, there is an additional fine of $10,000 for each day the rules are not followed.
If a driver is violating the rules and regulations and causes a truck accident, both the driver and the company can be held liable for damages. This includes damages to the other person’s vehicle, as well as medical expenses, legal fees, and damages for pain and suffering.
Despite the required minimums, many trucking companies in the state of Georgia carry more insurance than they need to cover themselves in the event of an accident. This is, in part, because the odds of becoming injured or suffering severe damage to one’s vehicle in a truck accident are significantly higher than if that person were to collide with another car or SUV on the road.