Stacking Liability Coverage In A Tractor-Trailer Accident

When a tractor-trailer is involved in a serious collision, serious injuries usually are involved, if not wrongful death. The size of these large rigs usually means that the damage involved in a collision will be significant. Accordingly, obviously, a key issue in all of these cases is the nature and extent of available liability insurance coverage to provide redress to innocent third parties who are injured due to the negligence of tractor-trailer trucking companies and their employees.

Consult With Us Now
If a tractor is hauling a trailer for another party, it may be that multiple policies of insurance can be stacked on top of each other to provide for greater coverage for the innocent victim. If a tractor-trailer company has insurance on its tractor and is hauling a trailer that is also involved in the collision and also inflicts damage then the coverage on the trailer and its owner may be stacked on top of the tractor’s coverage to provide for an additional layer of protection to the injured individual. While these cases are all factually specific, nonetheless, this possibility must be thoroughly investigated, particularly where serious injuries or wrongful death cases are involved. Thus, a factual investigation should be undertaken immediately to determine in whose name the tractor is registered as well as in whose name the trailer is registered. Federal and state inquiries must be made of both owners to determine the extent of their involvement in federal registrations and the extent of their coverages. While there may be available coverage under the tractor’s policy which might be sufficient depending upon the nature of the case, when multiple parties are injured in one of these serious collisions, it may take multiple policies to provide redress for all those injured by the negligence of a large tractor-trailer rig.


About Michael Sullivan

Michael A. Sullivan is a former federal prosecutor who has more than twenty-five years of experience in sophisticated civil and criminal litigation.

Mr. Sullivan has represented large businesses and individuals in complex cases, many involving fraud and breaches of fiduciary duty. His trial experience over three decades has included white collar criminal cases, civil fraud, business torts, and serious personal injury and death cases. Mr. Sullivan has been selected as a Super Lawyer each year from 2006 to present.

From 1995-98, Mr. Sullivan served under Larry D. Thompson as a federal prosecutor in the Independent Counsel investigation of the Department of Housing and Urban Development, which included the prosecution of former Secretary of the Interior James Watt. He also has defended businesses and individuals in white collar criminal investigations and prosecutions, including financial fraud and tax investigations.  Mr. Sullivan has also conducted internal investigations, and has advised organizations on compliance issues.

In addition to handling a variety of complex civil cases, Mr. Sullivan represents whistleblowers worldwide in qui tam litigation under the False Claims Act, in the IRS Whistleblower Program, and in the new SEC and CFTC Whistleblower Programs.

Mr. Sullivan has worked with the False Claims Act since the late 1980s and has both defended and prosecuted cases under the False Claims Act.

Since the December 2006 inception of the new IRS Whistleblower Program, Mr. Sullivan has also represented tax whistleblowers in submissions totaling many billions of dollars. He has also worked with the IRS Whistleblower Office staff in presenting programs on best practices in pursuing IRS Whistleblower claims.

In 2009 and again in 2010, Mr. Sullivan was contacted by staff members of the U.S. Senate Banking Committee to discuss how the new SEC and CFTC Whistleblower Programs under the Dodd-Frank Wall Street Reform and Consumer Protection Act should operate. He has also met with the SEC and CFTC Chairmen and senior staff to recommend changes to the proposed rules for SEC and CFTC Whistleblower claims.

In 2014, Mr. Sullivan served as lead counsel to a major international corporation and won an eight-figure jury verdict against defendants who had defrauded the company and breached their fiduciary duties to it.

Mr. Sullivan is a graduate of the University of North Carolina and Vanderbilt Law School, where he was Senior Articles Editor of the Vanderbilt Law Review. He clerked for U.S. District Judge Marvin H. Shoob in Atlanta from 1984-86.