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Are Truck Drivers Required to Have Truck Insurance in California?

All trucks are subject to state and federal laws and regulations to minimize accident risks. However, some truck drivers and commercial trucking companies will ignore important safety laws and regulations in order to meet their deadlines and maximize profits.

A truck driver who is found in violation of California’s safety regulations and causes an accident may be held liable to an injured driver for their losses. The majority of all truck accidents are caused by a truck driver who was not using reasonable care while driving or who was in violation of safety regulations. Here at West Coast Trial Lawyers, we study and win personal injury and truck accident cases. Below, we will discuss the legal requirements for owning and operating a commercial truck.

If you were a victim of a truck accident, you may be entitled to recover compensation for your losses. At West Coast Trial Lawyers, our truck accident attorneys are readily available to assist victims of personal injury. We will help strengthen your claim and negotiate with insurance companies to ensure you are given a fair settlement offer.To schedule a free consultation, please contact our 24/7 legal team by calling 213-927-3700 or filling out our quick contact form.

Interstate Truck Insurance 

Public liability insurance is necessary for interstate truck drivers because it offers protection not only for themselves but for other drivers in the event that he or she is found liable for an accident. Bodily injury liability exists so that the insurance company pays for the medical bills of anyone hurt in a truck accident. Property damage, on the other hand, will pay for anyone’s property that was damaged in an accident.

Interstate truck drivers are required to meet minimum coverage limits. The minimum requirement for insurance coverage will depend on the type of freight.


Minimum Coverage

Non-hazardous freight and vehicles weighing less than 10,001 lbs.


Non-hazardous freight and vehicles weighing more than 10,001 lbs.


Oil transported by private and for hire carriers


Hazardous materials transported by private and for hire carriers


Cargo Insurance Requirements 

Cargo insurance is not necessary unless you’re a for hire interstate truck driver. This type of coverage will secure the goods being transported. The limit is usually $100,000, but the specific amount may vary depending on the type of goods being transported.

Physical Damage

Physical damage insurance is necessary if your truck is being financed, and it will protect a personal tractor or trailer from any accidents suffered on the road.


You are not required to purchase bobtail insurance if you are an owner operator and already have primary auto liability coverage. However, if you are leased to a motor carrier and are operating under their authority, bobtail insurance may be necessary. Specific coverage amounts will depend on your lease agreement. 

West Coast Trial Lawyers Is Here to Help 

If you have sustained injuries as a result of a truck accident, our expert truck accident attorneys at West Coast Trial Lawyers will help you recover compensation for the losses you have suffered, including medical bills, property damage, lost wages, and pain and suffering.

Contact us today by calling 213-927-3700 or filling out our contact form to schedule a free consultation with our experienced, caring, and compassionate legal team.

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