Commercial trucks are required to carry much higher insurance than passenger cars, because the injuries they cause are often severe. That is generally good news for recovery — there is usually more coverage available to pay for serious harm than in an ordinary car crash.
A single truck crash can also trigger several policies at once — the driver's, the motor carrier's, the trailer owner's, a broker's, and sometimes excess or umbrella coverage stacked on top. Identifying every policy that applies is part of building the claim and can change dramatically what is available.
More coverage also means the insurers defend harder, often with rapid-response teams and experienced counsel. If the responsible parties are still underinsured for your injuries, your own uninsured or underinsured motorist coverage may help fill the gap.