What If a Truck Driver’s Insurance Doesn’t Cover My Accident?

 Posted on September 19, 2025 in Truck Accidents

When a large truck crashes into a passenger vehicle, the results can be catastrophic. Victims face huge medical bills, long-term recovery, and a drastic change in their quality of life. 

While trucking companies are obligated to carry insurance, their policies are not always enough to cover the full cost of a serious truck accident. Talk to a Riverside County, CA truck crash lawyer about your rights and how to pursue the compensation you need.

How Can Truck Insurance Not Be Enough to Cover an Accident?

Truck drivers usually have employer insurance. However, under federal law (49 CFR § 387.9), interstate carriers are only required to carry $750,000 in coverage. In a major truck crash, there could be several vehicles involved, as well as serious injuries and long-term care. Combined, the costs related to an accident can quickly exceed that minimum amount.

Even when trucking companies have extra insurance, insurers often argue over which policy applies and try to limit payouts. They may also claim the driver was not working at the time, which can make it harder for victims to prove liability.

What Can Victims Do After an Underinsured Truck Driver Hits Them? 

If a truck driver’s insurance is not enough to cover your costs, you may still have options for recovering additional compensation. These can include:

• Your own underinsured motorist (UIM) coverage: California drivers can use their underinsured motorist (UIM) coverage when the at-fault driver’s insurance is not enough. This coverage can help bridge the gap between what the trucking company pays and the actual costs of your losses.

• Other liable parties: Liability may also fall on cargo loaders, maintenance crews, or defective parts manufacturers. Identifying all responsible parties increases the chances of recovering full compensation.

• Litigation for full damages: If insurers refuse to pay fairly, you can take the case to court. A skilled personal injury lawyer can use medical records, expert opinions, and accident reconstruction to show the full impact of the crash.

Schedule a Free Consultation with a Temecula, CA Underinsured Driver Accident Lawyer

If you were hurt in a truck accident and the driver’s insurance is not enough to cover your damages, do not give up hope. You may still have options to recover the compensation you deserve. 

Having a lawyer with deep experience makes a difference. Since 1998, Maineri Law Firm has helped injured Californians pursue justice after serious accidents. With 23 years of experience, one attorney personally handles each case, giving every client focused service.

We offer free consultations and handle every case on a contingency basis, so you pay nothing unless you win. Call a Riverside County, CA personal injury attorney at 951-698-4200 today to learn how we can fight for your recovery.