Georgia Commercial Vehicle Insurance Requirements: Your Rights In An Atlanta Truck Accident Claim
When truck accidents happen in Atlanta, the physical and financial consequences can be overwhelming. Fortunately, insurance coverage is available and can help compensate you for your losses.
State and federal laws mandate that trucking companies carry specific types and amounts of insurance. Our Atlanta truck accident lawyers explain more about this coverage and factors that can impact your rights in a settlement.
Insurance Requirements for Commercial Trucks in Georgia
When Atlanta truck accident injuries happen, the amount and type of insurance the trucking company carries impact your rights in seeking compensation. Georgia law requires liability insurance for all commercial vehicles, which covers any injuries and property damage caused to others. Some trucks are also subject to Federal Motor Carrier Safety Administration (FMCSA) regulations, depending on what they transport and where they operate.
Generally, the bigger the truck and the more dangerous the cargo, the higher the insurance requirements. Common types of insurance that may apply in a Georgia truck accident case include:
- $750,000 minimum liability coverage for trucks transporting non-hazardous freight across state lines.
- Up to $5 million in coverage for trucks carrying hazardous materials.
- $300,000 liability coverage for smaller commercial vehicles such as local delivery vans.
- Cargo insurance, which covers damage to goods (not always required but often included).
- Georgia-specific intrastate insurance, ranging from $100,000 to $500,000 depending on the vehicle’s size and use.
Even with these types of coverage in place, victims often face challenges in getting the total amount needed to cover their costs. Working with a knowledgeable Atlanta truck accident lawyer can help in getting the total amount you are entitled to in a settlement.
How Insurance Affects Victims’ Rights After an Atlanta Truck Accident
For Georgia truck accident victims, insurance coverage plays a vital role in recovering from their injuries. Unfortunately, negotiating a reasonable insurance settlement is rarely easy.
When filing an Atlanta truck accident insurance claim, common issues victims often encounter:
- Multiple liability: Blame may be divided among the trucker, trucking company, and other drivers involved, all of whom may carry separate policies.
- Insurers may dispute fault: Insurance companies often try to reduce or deny payouts by blaming the victim or shifting liability.
- Policy limits matter: If your damages exceed the liable party’s coverage limits, you may need to pursue additional defendants or your own underinsured motorist coverage.
- Beware quick payout offers: Initial offers rarely reflect the true value of your losses, especially for long-term injuries.
Get Our Experienced Atlanta Truck Accident Lawyers On Your Side
Commercial vehicle accidents in Atlanta can leave victims suffering devastating harm. At Shiver Hamilton, LLC, we represent you in dealing with insurers and negotiate to get the maximum compensation available under every applicable policy.
If you or a loved one is injured in a truck accident in Atlanta, don’t face the insurance companies alone. We proudly represent clients across the state, including all of Fulton, DeKalb, and Gwinnett counties. Contact our experienced Atlanta truck accident lawyers today to request a consultation.
Sources:
rules.sos.state.ga.us/gac/515-16-11
fmcsa.dot.gov/registration/insurance-filing-requirements
