Trucks oftentimes carry several forms of insurance coverage. Certainly the tractor (which is the part of the truck where the driver operates the truck) must carry insurance under Pennsylvania or New Jersey law. In addition to the tractor’s insurance, the trailer often times carries its own insurance. This is important because the trailer is the source of many equipment problems on tractor trailers such as brakes, tires, improper loads, and suspensions. Trucking companies and transportation companies may also carry umbrella type policies which may provide additional insurance coverage for personal injuries sustained in a Philadelphia, Bucks, or Mercer County truck accident. If the truck was leased or rented, there may also be another layer of insurance available for the truck accident. This is why it is important to retain an experienced truck accident attorney to discover all applicable insurance funds available.