What Primary Liability limit does a semi-truck need to operate on the highways and roads of America? Tractor Trailers require a limit of $1,000,000 for operation; all other vehicles require coverage amounts according to the laws in their base state. See the Truckers Insurance Group’s FAQ’s and eHow’s discussion of Semi-Truck Insurance. The amount of coverage you need along with the types of loads you carry and the driver’s own record will dictate the premium.


For good advice see a lawyer and if you have questions about this blog, the law or your case write or call me directly. Steve Lombardi, sdlombardi@aol.com and 515-222-1110. I handle all types of personal injury cases including car accidents, truck accidents, motorcycle accidents, workers' compensation cases. We help truckers all across the country who come through Iowa and end up in an accident. If we need other lawyers from other states we hire them and it costs you no more than what you would pay us; in other words, we split the fee between us. So call 515-222-1110 or email us at sdlombardi@aol.com. 
Steve Lombardi, Attorney




Blog Category:
9/24/2010
Steve Lombardi
Comments (0)

What is the minimum insurance coverage I need for a tractor trailer in the USA?

Interesting question and one that I've not had asked of me before today. Semi trucks are covered under federal law because of the nature of their business being multi-state or in the stream of commerce.

Tractor Trailers require a limit of $1,000,000 for operation; all other vehicles require coverage amounts according to the laws in their base state. See the Truckers Insurance Group's FAQ's and eHow's discussion of Semi-Truck Insurance. The amount of coverage you need along with the types of loads you carry and the driver's own record will dictate the premium.

For state minimum limits for cars, motorcycles and SUV's see Car Insurance Requirements.

State-by-State Minimum Requirements

  • Alaska 50/100/25
  • Alabama 20/40/10
  • Arkansas 25/50/15
  • Arizona 15/30/10
  • California 15/30/5
  • Colorado 25/50/15
  • Connecticut 20/40/10
  • Delaware 15/30/5
  • Florida 10/20/10
  • Georgia 15/30/10
  • Hawaii 20/40/10
  • Idaho 20/50/15
  • Illinois 20/40/15
  • Indiana 25/50/10
  • Iowa 20/40/15
  • Kansas 25/50/10
  • Kentucky 25/50/10
  • Louisiana 10/20/10
  • Maine 50/100/25
  • Maryland 20/40/10
  • Massachusetts 20/40/5
  • Michigan 20/40/10
  • Minnesota 30/60/10
  • Mississippi 25/50/25
  • Missouri 25/50/10
  • Montana 25/50/10
  • Nebraska 25/50/25
  • New Hampshire 25/50/25
  • New Jersey 15/30/5
  • New Mexico 25/50/10
  • Nevada 15/30/10
  • New York 25/50/10
  • North Carolina 30/60/25
  • North Dakota 25/50/25
  • Ohio 12.5/25/7.5
  • Oklahoma 10/20/10
  • Oregon 25/50/10
  • Pennsylvania 15/30/5
  • Rhode Island 25/50/25
  • South Carolina 25/50/25
  • South Dakota 25/50/25
  • Tennessee 25/50/10
  • Texas 20/40/15
  • Utah 25/65/15
  • Virginia 25/50/20
  • Vermont 25/50/10
  • Washington 25/50/10
  • Wisconsin 25/50/10
  • West Virginia 20/40/10
  • Wyoming 25/50/20

 



Category: Car-Truck-Cycle Damage Q&A's

Labels: accidents highway insurance Interstate


As a service to our clients living outside of Iowa we provide this list of crash reports from the Iowa State Patrol. We understand the difficulty our clients from out of state have in resolving a car, motorcycle, SUV, semi or truck accident case from outside of Iowa. We are here to assist you. If you have had an accident in Iowa but live in another state please give us a call and we will provide whatever services are needed to assist concluding your insurance settlement. 515-222-1110 or sdlombardi@aol.com. Our website is www.lombardilaw.com. We look forward to hearing from you. See also the Iowa Edict .
Steve Lombardi, Attorney

If you or an interested person are in a collision and you would like the crash analyzed you'll need to contact Attorney Lombardi. This may or may not result in an attorney-client relationship and simply asking for a review does not in and of itself create such a relationship. If you ask and Mr. Lombardi thinks you have a case he will say so and provide an agreement for representation that then creates an attorney-client relationship. The bottom line is that Mr. Lombardi has to agree to take you on as a client; the first step of course is asking him. You've got two ways: telephone 515-222-1110 or email sent to sdlombardi@aol.com.

 




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Tractor Trailers require a limit of $1,000,000 for operation, this amount is so huge.
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Steve, you mention that semi trucks are covered under federal law. As a practical matter, what differences would we likely see if they were covered under state law? Do you have an opinion on which is preferable?
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Posted by addisonbruno on November 16, 2010 at 10:45 AM
Tractor Trailers require a limit of $1,000,000 for operation; all other vehicles require coverage amounts according to the laws in their base state.
Posted by James Morgan - Puritan Financial Advisor on October 22, 2010 at 12:56 AM
Semi trucks are covered under federal law because of the nature of their business being multi-state or in the stream of commerce.
Posted by James Morgan - Puritan Financial Advisor on October 12, 2010 at 03:43 AM
Thanks!
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