Key takeaways
- The cargo sets the minimum insurance. Federal rules require higher minimum financial responsibility for oil and hazardous materials than for general freight, and for some materials the floor is several times higher.
- Liquid surge is a recognized federal training subject. Required specialized training covers high center of gravity, surge and its effect on braking, and the effect of partial loads on stability. This is not a fringe theory.
- A second rulebook applies alongside the ordinary carrier rules. Endorsement requirements, placarding, shipping papers, and periodic cargo tank testing all create records, and each is a place a carrier can fall short.
- The injuries are not only from impact. Fire, chemical exposure, inhalation and evacuation losses can affect people who were never struck by anything.
This guide is written and reviewed by our editorial team to be accurate and current. It is general information, not legal advice, and reading it does not create an attorney-client relationship. Federal transportation rules are amended regularly and how they interact with a civil claim differs by state, so confirm the position with a licensed attorney. If you have been exposed to a chemical release, seek medical assessment immediately even if you feel well. If you are facing an emergency, call 911.