Truck Accident Settlement Calculator
Commercial truck accident settlements average 3-10x typical auto crash values because federal motor carrier rules (FMCSA) increase liability, commercial policy limits start at $750K (vs $25K auto), and multiple defendants (driver, carrier, broker, manufacturer) expand recovery.
Why Truck Settlements Exceed Auto
Three structural reasons: federal FMCSA insurance minimums ($750K-$5M vs auto $25K), multiple defendant theory (driver + carrier + broker + shipper + maintenance contractor + manufacturer), and federal violations as strict liability triggers. A single hours-of-service violation creates a presumption of negligence.
Evidence Preservation Is Critical
Commercial trucks have Electronic Logging Devices (ELDs) capturing hours of service. Engine Control Modules (ECMs) record speed, braking, throttle in the seconds before impact. Driver Qualification Files (DQF) show training, drug tests, prior crashes. Spoliation letter must go out within 7 days — federal preservation rules apply.
Multiple Defendant Strategy
Carrier vicarious liability for driver negligence. Negligent hiring/training/supervision claims against carrier independently. Broker negligence if selected an unsafe carrier. Shipper liability for unsafe loading. Maintenance contractor for equipment failure. Manufacturer for defects. Each adds a potential insurance policy.
Source: Federal Motor Carrier Safety Regulations (49 CFR Parts 350-399). Last updated: May 2026.