Hurt in a crash with a commercial truck in Texas? Truck claims can involve the driver, the carrier, and their insurers, and two state rules shape every claim: the filing deadline and how fault is shared.
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Texas's statute of limitations for personal injury claims, including commercial truck crashes, is two years under Tex. Civ. Prac. & Rem. Code § 16.003. Texas also applies modified comparative fault with a 51% bar under Tex. Civ. Prac. & Rem. Code § 33.001 (the "proportionate responsibility" rule): if a jury finds you more than 50% at fault, you recover nothing. Trucking insurers know the bar and will push hard to pin responsibility on the injured driver. Counsel's job is to deploy FMCSA evidence — hours-of-service logs, drug test results, driver qualification files — to shift fault onto the carrier before the narrative settles.
Texas adopts the federal FMCSA rules (49 CFR Parts 390-399) for intrastate commercial motor vehicles through Tex. Transp. Code § 644.051, which directs the Texas Department of Public Safety to incorporate the federal safety standards into Texas regulations. Enforcement is handled by the DPS Motor Carrier Bureau and DPS Commercial Vehicle Enforcement. That means a federal safety violation — whether by an interstate or an intrastate Texas carrier — can support negligence per se in Texas state court.
A Texas truck case typically involves multiple defendants: the driver, the motor carrier both vicariously and for direct negligent hiring, training, and supervision claims, the tractor or trailer owner if different from the carrier, the cargo loader, the maintenance contractor, and sometimes a component manufacturer. Federal law (49 CFR § 387.9) sets the interstate carrier minimum at $750,000 for general freight and $5 million for bulk hazmat. These ceilings dwarf Texas's 30/60/25 personal auto minimum and are the reason serious-injury truck cases recover substantially more than comparable auto cases.
Oil and gas field trucking — frac sand haulers, crude oil tankers, and heavy equipment transporters in the Permian Basin and Eagle Ford Shale — generates a disproportionate share of Texas's most severe truck crashes. Intrastate-only oil field carriers sometimes argue they are not subject to federal FMCSA rules under the "oil field operations" exception in 49 CFR § 395.1(d). The scope of that exception is narrower than carriers typically claim, and a skilled Texas truck accident attorney can often defeat it — opening up the federal negligence-per-se theory and the deeper insurance pools that come with it.
Legal Information Notice
The legal information on this page is for general educational purposes only and is not legal advice. Laws change, and every case is different. Always consult with a licensed attorney in your state to verify the current law and how it applies to your specific situation.
Only if you were 50% or less at fault. Texas follows modified comparative fault with a 51% bar under Tex. Civ. Prac. & Rem. Code § 33.001 (the "proportionate responsibility" rule): at 50% or less, you recover your damages minus your percentage; at 51% or more, you recover nothing. This makes early liability documentation critical. Attorneys use FMCSA evidence — ELD logs, driver qualification files, drug testing records — to shift responsibility onto the carrier and keep the injured driver under the 51% line.
Send a spoliation letter immediately. Priorities: ELD hours-of-service data (49 CFR Part 395), event data recorder output, dashcam footage, the driver qualification file (49 CFR Part 391), post-accident drug and alcohol testing records (49 CFR Part 382), pre-trip and post-trip vehicle inspection reports (49 CFR § 396.11), maintenance and repair records, and the bill of lading. For Texas-registered intrastate carriers, also request DPS Motor Carrier Bureau inspection and compliance records. For oil field trucks, pull the carrier's claimed FMCSA exemption status under 49 CFR § 395.1(d) early — it's often defeasible.
Typically: (1) the driver, (2) the motor carrier under respondeat superior plus direct negligent hiring, training, and supervision claims, (3) the tractor or trailer owner if separate from the carrier, (4) the cargo loader or shipper when improperly secured freight contributed to the crash, (5) the maintenance contractor on a mechanical-failure case, and (6) a component manufacturer under product liability. Under Texas proportionate responsibility (CPRC § 33.001), fault is allocated across all responsible parties — and any party assigned 50% or more fault becomes jointly and severally liable under CPRC § 33.013.
Interstate motor carriers follow federal minimums under 49 CFR § 387.9: $750,000 for general freight, $1 million for non-bulk hazardous materials, and $5 million for bulk hazmat tankers or passenger carriers. Intrastate Texas carriers registered under Tex. Transp. Code Ch. 643 have state insurance minimums set by DPS that vary by vehicle class and commodity. Umbrella policies are common on top of the motor carrier primary, and in oil field trucking the shipper's or operator's own coverage often stacks behind the carrier's.
All legal information on this page is sourced from primary government statutes. Last verified 2026-04-07.
Tex. Civ. Prac. & Rem. Code § 16.003
2-Year Statute of Limitations (Personal Injury)
Tex. Civ. Prac. & Rem. Code § 33.001
Modified Comparative Fault (51% Bar)
Tex. Transp. Code § 644.051
State Adoption of FMCSA Regulations
49 CFR Part 395
Hours of Service & Electronic Logging Devices
49 CFR § 387.9
Minimum Liability Insurance for Motor Carriers
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