Truck accidents, like motor vehicle accidents, cause numerous personal injuries and deaths each year in the United States. While not as common as car accidents, truck accidents bring greater damages due to their size and weight. Trucks defined as commercial freight trucks, commonly known as 18-wheelers. Federal laws govern the trucking industry as they are part-and-parcel of interstate commerce. The federal government establishes the manufacturing standards of commercial and heavy trucks and regulates the use and operation of these trucks. States also have their own laws and regulations relating to trucks and truck accidents.

Truck accident law ensures that personal injuries sustained by occupants of a passenger vehicle as a result of a collision with an 18-wheeler is adequately compensated. Like all personal injury cases, the foremost consideration when determining liability in truck accidents is negligence. The most common party who is negligent would be the truck driver, and because truck drivers are professional drivers, multiple sources of law will apply. The truck driver, however, may not be the only party who acted negligently. Proving negligence on the part of other possible responsible parties may not be as easy as proving negligence on the part of the truck driver.

Truck accidents differ from motor vehicle accidents because the determination of who is at fault is more complicated. Because of the commercial nature of trucks, there are many parties that could be possibly liable for the damage or the death. Responsible parties could also include the truck's owner, lessee, or manufacturer. The truck's shipper or loader, when the cargo is not properly loaded, could also be responsible, while the truck's mechanics could also be responsible when it failed to check the condition of the truck prior to travel. The party responsible for the damages could be one party or all of the parties mentioned above. In addition to these responsible parties, insurance companies can also be liable for the damages as most businesses are required to get insurance coverage for these types of risks. The bulk of litigation arising from truck accidents would be the determination of who is liable, as these parties would naturally try to avoid paying damages and blame another party for the cause of the accident. When a plaintiff files a personal injury lawsuit arising from a truck accident, the plaintiff must identify all possible responsible parties because there is a statute of limitations for all personal injury claims. It is better to name all possible responsible parties at the filing of the lawsuit than add the parties after as the statute of limitations may have already ran out.

A typical truck accident litigation in the past would have the trucking company arguing against liability by pointing out that it does not own the truck and it does not employ the driver. Current federal laws, however, now state that any trucking company is responsible for all accidents involving a truck that has its name displayed on the vehicle. This means that the trucking company is liable even if the truck is leased from another company and the driver is an independent contractor.

Aside from proving liability, the plaintiff must show the extent of his damages by engaging expert witnesses such as a physician to assess the physical damage and an economist to assess damages arising from loss of income and earning capacity. On top of these experts, the plaintiff must also engage the expertise of a truck accident law attorney to skillfully navigate the complicated litigation against those who might also be responsible.

Insurance is when one party indemnifies another from a predefined risk in exchange for a premium. There are numerous kinds of insurance available to an individual, the most common of which are health insurance, car insurance and property insurance. Businesses also avail of insurance to protect their businesses from future risks. The kinds of insurance available to businesses include general liability insurance, property insurance, worker's compensation, directors and officers insurance, and life insurance.

Insurance terms vary according to the type of insurance provided, the risk insured, and the insurance provider. The general term, however, is that regardless of whether the predefined risk occurs or not, insurance premium will not be returned. Insurance companies play a great role in maintaining economic ability. It is in this regard that the government and courts established laws to regulate such commerce.

Insurance law covers three main issues: insurance policies, insurance claims and rates, and insurance business. Insurance law is a rather young set of rules and regulations. It was not until 1944 when the U.S. Supreme Court held in a case that insurance is a "commerce" and, thus, is subject to Congress' constitutionally-mandated authority of regulating interstate commerce. As a result of the 1944 ruling, the McCarran-Ferguson Act, which provides that state laws control the insurance business, was passed. For insurance business that is not regulated by state law, other federal laws, such as the Sherman Act, apply.

Insurance laws vary from state to state. A business, especially those who operate in many states, must retain the services of an insurance law attorney as they are knowledgeable of not just insurance law but also other areas of law that may affect insurance, such as taxation, labor laws, and securities law. Similarly, an individual must also retain the services of an insurance law attorney especially if the individual seeks to have properties located in different states insured.

For companies seeking to operate an insurance business, federal and state law are rigid in their requirements for such applications. For one, both the federal and state governments require that these companies maintain sufficient liquidity to cover claims subject to insurance policies. In addition, laws also limit the type of insurance a company can provide based on jurisdiction. It is thus imperative for these businesses to hire insurance law experts.

Both insurer and insured must be prudent in understanding the terms of the insurance policies. One of the issues arising from insurance law would be predatory practices of insurers offering undervalued insurance policies. Insurance is a complicated matter. Interpreting the terms of an insurance policy may need the expertise of an insurance law attorney especially if the buyer is unsophisticated. It is easy for an insurance company to lead a buyer to believe that they are buying one type of insurance and receive another type.

Another area of insurance law that would require the assistance of an attorney would be insurance claims. If the insurance policies were ambiguous, insurers can twist the language of the policies and deny coverage to an unsophisticated buyer. Filing an insurance claim is also tedious as the process often requires numerous paper work to evidence the occurrence of the risk covered by the insurance. In cases of health insurance, the insured need to keep all medical records in order to make a successful insurance claim.